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


Pay Off Credit Card Debt With No Loans!

Zilch Standard grabs all of the details about your debts, interest rates, current payments, outstanding balances, etc... and instantly turns the whole thing into a month-by-month debt management plan.

You'll get your very own personalized, debt management plan that shows you exactly how much to pay every single creditor each month. No more guessing who to pay first. No more figuring out the best way to utilize your hard-earned money. We do all of that for you. ( More... )

Rodney Nibbe  -  Minnesota


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.

Thanks again.

(Received on 03/26/2012 - That's 12½ years later!)
C. H.  -  Oklahoma

"Zilch is the most mind-bogglingly useful financial software I have ever seen."


Create Debt Management Plans in 10 Minutes or Less

Spend more time with your clients and less time building reports for them. You'll create stunning, easy to understand debt management plans in less than ten minutes. You will be totally amazed how quickly your customers just simply "get it".

Debt Manager Professional is the perfect tool for financial counselors and those who feel compelled to offer financial help to others. ( More... )

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's worth ten times what you sell it for."


Avoid Costly Credit Card Mistakes Forever!

Seven out of ten people have balances on their credit cards. Credit Card Math goes behind the scenes explains the true hidden costs associated with credit card debt. Get the inside scoop on how credit cards work. Learn about the huge money making schemes used by credit card issuers. ( More... )

Robert Gardner  -  Georgia

"After being trapped by the vultures in the credit card industry, I followed your advice and have started to make progress paying off my debts. I never knew about the ways these vicious companies keep a consumer paying for years and years. You have really opened my eyes to this problem.

I have followed your advice for 15 months. My minimums are so low its shocking but I keep making the amount I set up. It is almost laughable at how easy it is to get this paid off but without your help, I never would have been able to do this. Thanks again Mike. Keep doing what you're doing. And I hope you get rich and famous and live a fantastic life."


Calculate the True Cost of Credit Card Debt

Get instant feedback on the true cost of your credit cards. Our free Minimum Payment Calculator™ features slider bars that let you play out multiple "what-ifs" in a fraction of a second.
( More... )

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From Our Customers  From Our Customers

I have been using your software with great success. It has really opened my clients eyes to the savings they can reap when they follow the payoff plan. They all say it is so easy to do.

Beverly Taylor
LOL Financial Services
Plantersville, Texas

See all cutomer testimonials

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.

Free Trial  Free Trial

You can download free trial versions of our software and evaluate each product before your purchase. Just click the download link under the product you wish to evaluate.

Free Trial  Operating Systems

Microsoft Windows

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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