Barbara P. - Florida

“I have been looking for a program like this for 3 years! This is perfect. It is exactly what we've been needing! Thank you!”

ZilchWorks - Learn More

How Zilch Works

A one minute overview on using our debt reduction software.

What Is A Payment Snowball?

The concept of a payment snowball is both complicated and simple at the same time. This 1 minute video explains how you slowly build momentum one debt at a time until it turns into a powerful payment snowball.

7 Debt-Reduction Strategies - Which One Works Best for You?

Discover 7 debt-reduction strategies, and a step-by step guide to reduce your interest penalties and get out of debt 55 to 65% faster.

How Bad Is Your Debt?

Our CardCalc Wizard calculator will show you the true cost of making only the minimum monthly payment.

How to Choose Your Debt Free Date

Watch this two minute video and see how easy ZilchWorks makes it for you to pick your own debt-free date.

❝I wish I had known about this program before paying $45 a month❞

I have a goal, which is to retire soon and spend time with my 2 awesome grandsons, ages 6 and 8. You are going to help make that happen because I'm going to use ZilchWorks to pay off my mortgage as fast as I can.

I originally learned about your software from a friend who uses it. She swears by it! In the past I have used a debt management company to pay off $32,000 of credit card debt, and am paying my last $1,000 on those cards. It has taken 8 long years. I wish I had known about this program before paying that company $45 a month to do what I could have done myself in a shorter length of time.

Thank you for creating this awesome software. God bless you.

Marlena B. - Canton, Texas

I am very impressed with your software. I did not want to go through credit counseling and have it look bad on my credit report, but I needed someone to tell me who and how much to pay each month.

Your software does just what I needed. I love it. Thanks again.

Sabreina Johnson - North Carolina
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Why ZilchWorks

Our software does one thing, and does it very well. We help you get out of debt.