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

ZILCH STANDARD™

The Original Debt Reduction Software

Create your own step-by-step debt elimination plan in five minutes or less. Just fill in the blanks, and push a button!

You can get out of debt today and save thousands of dollars in interest penalties. You just fill in the blanks and push a button. Zilch Standard does the rest. It's that easy.

Zilch Standard takes into account all of the details surrounding your debts, interest rates, current payments, outstanding balances, etc... and quickly and easily turns it all into a month-by-month debt elimination plan.

With just the click of the mouse you can print your monthly payment schedule and be on your way to financial security. Stop giving your money away... Stop making your bank rich... Stop making your credit card company rich... Stop making your mortgage company rich. Because, as long as you keep giving them your money they'll keep taking it.

Now, you can take advantage of trade secrets used by many financial counselors in the privacy and comfort of your own home. No financial expertise is required. Isn't about time you enjoyed financial peace of mind. Go ahead, do it. Make that decision to get out of debt right now. Order your copy of Zilch Standard today!

(Click on the below images to see them fullsize)

Main Screen

Payoff Summary

Payment Plan
"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."
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

Deep down you know there really is no magic fix to your debt solution. We are here to help you make that uphill climb with debt repayment strategies that work.

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)

Trial Version  Trial Version

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

Download Now

Trial Version  Operating Systems

Microsoft Windows

From Our Customers  From Our Customers

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.

Linda Baird
Grain Valley, MO

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.
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