ZilchWorks Debt Reduction Software Home Five simple steps to get out of debt.
ZilchWorks has been helping people just like you save money and get out of debt since 1991.
Let ZilchWorks help you get out of debt today.
Mike Riley - The Zilch Guy

HOW ZILCH WORKS - STEP 1

A one minute overview on using our software to get out of debt in half the time.

Step 1 - List Out All Your Debts

Believe or not, this is the hardest step in the whole process. Why - because it makes you take action. It makes you look at your debts. It makes you look at how much money you owe. This may be something you have wanted to do for a long time but kept putting off. That's why this is the hardest part.

We provide an easy to use worksheet for collecting this information:

  • Click File
  • Click Print Worksheet...

Here is an example of a completed worksheet with 5 credit cards and 1 loan.

Tell a Friend  Why ZilchWorks

We believe you need to watch out for what we call "Debt Sharks". These are companies that prey upon people in debt because they know how vulnerable debt-ridden people can be.

See all the reasons why ZilchWorks

From Our Customers  From Our Customers

I was looking through my cancelled checks to shred old records and found a check to you for Zilch on 10/3/1999 for $34.00. Money well spent.

Thank you. Your program accelerated my debt reduction. Shortly after I started, I was eligible to buy a house and have almost never carried a balance into the next month.

Rodney Nibbe
Minnesota
(Received 03/26/2012 - 12½ years later)

See all cutomer testimonials

Tell a Friend  Our Products

Our customers pay 50-60% less in interest penalties and get out of debt 55-65% faster!

Zilch Standard
Easy to use software gets out of debt in half the time and save loads of money in finance charges.
Debt Manager Pro
Spend more time with your clients and less time on creating their reports.
Credit Card Math
Chock full of financial information that helps you avoid the pitfalls of credit card debt.

money back gurantee  Money Back Guarantee

We offer an unconditional, 30-day, money-back guarantee on every product purchased. If, for any reason, you are not satisfied with your purchase, simply notify us within 30 days of the purchase date to receive a full refund.

ZilchWorks helps people get out of debt. We have been teaching the payment snowball method for elliminating debt since 1990. Our most popular product, Credit Card Math™, is chock full of timeless, financial information. Credit Card Math™ first appeared in 1994 and continues to receive thousands of downloads from all over the world. Our Zilch Standard™ product is an easy to use, low cost solution that creates do-it-yourself debt management plans. Zilch Standard™ takes advantage of trade secrets used by many expert financial counselors. Our customers get out of debt 55% - 65% faster. ZilchWorks is owned and operated by Michael J. Riley, a retired United States Marine Corps Gunnery Sergeant.
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