ZilchWorks Debt Reduction Software Home Take control of your finances today. Get yourself out of debt and save thousands of dollars in interest penaltes.
We have helped thousands of people just like you get out of debt fast and save money. Zilch works!
Let ZilchWorks help you get out of debt today.
Mike Riley - The Zilch Guy


Pay Off Credit Card Debt With No Loans!

Get out of debt in half the time and save thousands in finance charges.

If you can write a check, you can use our software. You just fill in the blanks and push a button. It's that simple. Our Zilch Standard software does the rest.

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'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!"

Take advantage of trade secrets used by expert financial counselors in the privacy and comfort of your own home

Zilch Standard combines the best ideas on how to get out of debt quickly and safely, and makes them available to you in a simple, yet powerful software program. No special knowledge or financial expertice is required.

With just the click of the mouse you can print your monthly payment schedule and be on your way to debt free life.

You are guaranteed total and absolute privacy.

Your personal information and financial data are never shared with anyone! When you purchase and install our software on your computer that's where it stays. From that point on what you do with our software is completely up to you.

  • No one sees your information unless you explicitly give it to them
  • No communication goes back and forth across the internet
  • No salesman will call and ask you for information
"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.
Main Features:
  • Input up to 30 Credit Cards, Loans, or Mortgages
  • Create an Unlimited Number of Debt Management Plans
  • Includes 3 Sample Data Files
  • Printable Data Entry Worksheet
  • 6 Predefined Payoff Strategies
  • 1 Customizable Payoff Strategy
  • Pledge Money (Optional)
  • 2 Distinct Repayment Plans
  • Debt Analysis Module for Running "What-If" Scenarios
  • Debt Reduction Module for Creating Debt Management Plans
Debt Analysis Features: ▼ Show Features
Debt Reduction Features: ▼ Show Features
Calculator Features: ▼ Show Features
Other Features: ▼ Show Features
C.H.  -  Oklahoma

"Zilch is the most mind-bogglingly useful financial software I have ever seen."
Kathy McClain  -  Michigan
Ed.S. Career Educator
"I realized I could be my own debt counselor!"
"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."
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

Order  Buy Now

Ordering is fast, easy, and secure. Upon receipt of payment, you receive an instant download. This means you can begin using Zilch Standard right away. Every Zilch Standard purchase includes a 30-day money-back guarantee.

Buy Now ($39.95)

Free Trial  Free Trial

You can download a free trial of Zilch Standard and evaluate the product befor your purchase.

Download Now

Free Trial  Operating Systems

Microsoft Windows

From Our Customers  From Our Customers

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.

Susan Tweten

See all cutomer testimonials

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 2016 by ZilchWorks, All Rights Reserved