ZilchWorks Debt Reduction Software Home Easy to use debt management products from ZilchWorks puts you in control of your finances.
Since 1991 we have helped thousands of people just like you get out of debt and enjoy fincial peace of mind.
Let ZilchWorks help you get out of debt today.
Mike Riley - The Zilch Guy

What Our Customers Say

Since 1991 we have helped thousands of people just like you get out of debt and save money. But don't simply take our word for it read what some of our customers have said over the years.


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

Has sorting through the mail become a nightmare as you find bill after bill that you just canít pay? If so, youíre probably reading this because youíve resolved to start chipping away at your debt, so you can sleep again at night. But first you need to select a debt-reduction strategy thatís tailored to your needs.


How Zilch Works

A one minute overview on using our software!


How Bad Is Your Debt?

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


ZilchWorks Dial-A-Date™ Feature

All you do is pick your debt-free date and ZilchWorks does the rest. Your customized debt repayment plan is built instantly, right in front of your eyes, based on your specific debt-free date. Watch this two minute video and see how easy it is to pick your own debt-free date


What Is A Payment Snowball?

The concept of a payment snowball is both complicated and simple at the same time. This 3 minute video explains how you slowly build momentum one debt at a time until it turns into a powerful payment snowball.


ZilchWorks In The News

Stories and articles that have been written about us.

Tell a Friend  Why ZilchWorks

Dealing with debt can be very embarrassing and stressful. We help you put together a step-by-step repayment plan in the privacy and comfort of your own home.

See all the reasons why ZilchWorks

From Our Customers  From Our Customers

You'd think someone with a Finance degree would be able to avoid debt, but my husband and I hadn't avoided it. I had quit working to raise our family, and two of our children had major medical bills. We found ourselves in over $80,000 of mostly unsecured debt. I was desperate when I found ZilchWorks. Your software was like a ray of light shining in on our dark situation.

When I SAW, that we could be debt free by 2011, even though that was years away, it was just the motivation I needed. The printed reports have been vital in our success. They keep me on track when I am tempted to spend money I shouldn't be. I keep them handy so I can glance at them and remind myself where we are headed. The idea that we will have financial freedom THIS YEAR is exhilarating!

I now have the desire to help others get out of their debt situations, so I am happy to tell the world that ZilchWorks can get you there. And by the way, this is a "paid" testimony... we've been "paid" all the interest that would have been shelled out to lenders had I not found this program.

I pray we never find ourselves back in the credit card mess we were in. But if for some emergency we do, I will have the tools ZilchWorks taught me to get us out of it!

Lovina Penry
California

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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