ZilchWorks Debt Reduction Software Home Get out of debt fast and save thousands of dolloars by unlocking the hidden power of your payment snowball.
Since 1991 we have been using the payment snowball method to help people get out of debt and save money.
Let ZilchWorks help you get out of debt today.
Mike Riley - The Zilch Guy


Understanding The Hidden Power

You build payment momentum one debt at a time!

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

R. B.  -  Bloomington, IN

"I'm so impressed with your software I am ordering a second copy for my brother and his wife to assist them in their debt management objective. Thank you."
Anthony Roberts  -  Financial Consultant, London

"Michael, your software is absolutely brilliant! Every other debt reduction package I have seen (and I've seen a lot of them) is rubbish. Not worth the time. You are not charging folks nearly enough money. It is easily worth ten times what you sell it for."
Tell a Friend  Why ZilchWorks

We’ve been helping people just like you get out of debt since 1990. Our methods are successful and have been time-tested.

See all the reasons why ZilchWorks

From Our Customers  From Our Customers

Thank you for having a program such as this. If everyone with debt problems knew about your software and used it, the credit card companies would be the ones in financial trouble.

Thomas Nero

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.

Copyright © 2017 by ZilchWorks, All Rights Reserved