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.”

Zilch Standard - Debt Reduction Software

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.

BUY NOW $39.95
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Debt Manager Professional

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.

BUY NOW $249.95
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Credit Card Math

Avoid Costly Credit Card Mistakes Forever!

Credit Card Math goes behind the scenes and reveals the true hidden costs associated with credit card debt. It teaches you how to get out of debt fast, save money and beat credit card issuers at their own game.

BUY NOW $19.95
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Minimum Payment Calculator FREE

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.

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❝Shortly after I started using Zilch I was eligible to buy a house❞

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

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

Thanks again.

Rodney Nibbe - Minnesota

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
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Why ZilchWorks

We've been helping people just like you get out of debt since 1991. Our methods are successful and have been time-tested.