ZilchWorks Debt Reduction Software Home We know our software helps people because they tell us all the time.
ZilchWorks has been helping people just like you save money and get out of debt since 1991.
Let ZilchWorks help you get out of debt today.
Mike Riley - The Zilch Guy

OUR CUSTOMERS ARE GREAT

We would love to add you to our list!

"I wish I had known about this program before paying $45 a month..."
Marlena B. - Canton, Texas
Marlena B. - Canton, Texas
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.
C. H.  -  Oklahoma

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

Michael,

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!)
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."
R. B. Bloomington, IN

"I am ordering a second copy for my brother and his wife to assist them in their debt management objective."
Sabreina Johnson  -  North Carolina

"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."
Jack Germain, Software Reviewer  -  New York

"To make sure this wasn't just computer wizardry, I printed the reports and asked a financial consultant to check them for accuracy.

He got very similar bottom lines but it took him considerably longer to do the figuring using his computer spreadsheet."

I want to give a 5 star endorsement...

Dave Falvey, Esq.  -  Groton, CT

"I want to give a 5 star endorsement of Mike Riley and his software program 'ZilchWorks'. I have known Mike for many years and I have found that in all of our transactions he has been highly ethical and extremely intelligent. I purchased the software program 'Zilch' many years ago and it has been a solid program and does an excellent job in presently the most intelligent plan anyone has ever devised for paying off credit card debt.

And I know that Mike got his experience in developing his program from volunteering and helping people. That's one of the reasons his program is so affordable. I give Mike an unqualified endorsement as being highly ethical, intelligent and concerned for the welfare of others.

I'm a bankruptcy attorney and have been in practice for over 27 years and there are very few people to whom I have ever given a 5 star rating and Mike is one of them. And in order to allow you to verify this '5 Star Rating', I'm providing my contact information as follows:"

Dave Falvey, Esq.
258 Route 12
Groton, CT 06340
Tele (860) 449-1510
Email: dave@actionadvocacy.com
Alex S.  -  California

"Your program is great! I currently have eight loans out. If I just kept paying off my loans with the minimum payments, it would have taken me over nine and one-half years to pay them off.

"By using your program, I will completely payoff all eight loans in three years and one month. I will save over $4,700 in interest payments!"
Beverly Pope  -  Georgia

"I am very excited about this program. It is just what I've been looking for. An answer to prayer actually. Randy and I are trying to get out of debt so that we will have more money to help our elderly parents. May God richly bless you!"
Michaela Kral  -  Texas

"Wow! This is so simple. I like it. It used to take me forever to figure this out by hand. Thank you very much!"

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

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."
Beverly Taylor  -  LOL Financial Services - Plantersville, Texas

"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."
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!"
Gladys Terrell  -  Illinois

"I am so excited to have your package! I was just recently calling my creditors trying to get an idea of how long it would take me to payoff my bills at the rate I was going. They weren't very helpful."

"Your program gave me EXACTLY what I was looking for. Thanks!! This has been $40 well spent."
Gerri Detweiler  -  Author of The Ultimate Credit Handbook

"This is one of the most powerful tools available for helping you get out of debt."

If everyone with debt problems knew...

Thomas Nero  -  Ohio

"Thank you for having a program as 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."
John C. Schwartz  -  West Virginia

"This is a very clever program! Thank you."
Kathy Z.  -  Minnesota

"Zilch is the greatest program I've seen. I can't believe the difference financially, this can do for a person. I sincerely thank you!"
Susan Tweten  -  California

"Your program is great! I've been showing this to my co-workers and they all think it is great too. Thanks for designing it."

You'd think someone with a finance degree would be able to avoid debt.

Lovina Penry - California

"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!"
Linda Williams  -  North Carolina

"Excellent program. You are a genius!. Good work. I love it."
Fernando Albuquerque Jr.  -  Toms River, NJ

"I build custom countertops for a living. I used 17 credit cards to open my business. I'm very excited to get to work paying off my debt. Thank you very much."
John Barrientes  -  Bloomington, IL

"I am really impressed with your software program. It's simply wonderful. Thank you."

I realized I could be my own debt counselor!

Kathy McClain - Michigan    Ed.S. Career Educator

"I found myself in the predicament of high credit balances. I heard the ads on the radio and TV about debt counselors, and credit counseling companies. I did not feel safe, or comfortable about contacting these strangers and trusting them with all my information.

I did not have the time to go through their process and was suspicious of the true cost of their assistance. Then I found out about ZilchWorks, ordered it, installed it and realized that with this tool I could be my own debt counselor!

This program is so easy to use and does what all the other companies want to charge you for. I was able to work out my payment plan in the privacy of my home. ZilchWorks showed me exactly what to do to reduce my debt as quickly as possible. I am gaining back my financial freedom with ZilchWorks. Thank you Michael for creating this wonderful program."
Linda Baird  -  Grain Valley, MO

"I've been looking and looking for ways to reduce my debt. I first looked at Credit Card Math and decided to buy your software. I can't wait to get started. Thank you very much."
Mark Greiner  -  Beacon, NY

"I found your trial version on Ziffnet. I absolutely love this program, it's helping us buy our first house. Thank you."
Don M.  -  Evergreen Park, IL

"I love this program. I'm going to tell my brother about you. I'm also going to tell my kids to get a copy. Thank you."
Tell a Friend  Why ZilchWorks

We believe you can get out of debt by yourself. All you need is a little help setting up a payment plan.

See all the reasons why ZilchWorks

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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