Get out of debt fast and save thousands in interest penalties

Zilch Standard debt reduction software grabs all the details about your debts and instantly turns the whole thing into a month-by-month debt repayment plan.

Zilch Standard - Debt Reduction Software

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.

( Monthly Payment Schedule )


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

Just fill in the blanks and push a button. It's that easy!

Zilch Standard takes all of the details about your debts such as:

  • interest rates
  • currents payments
  • outstanding balances
  • etc...
and instantly turns everything into a step-by-step monthly debt management plan.

( Payoff Summary Report )


Would you like to be out of debt by a specific date?

Zilch Standard lets you pick your debt free date and automatically calculates how much extra money you needed each month to meet your goal. Let's say you want to to be out of debt in 24 months. You simply dial in 24 months, push a button, and you have a 24 month payment plan. You may decide you'd rather be out of debt in 18 months instead of 24 months. Change it to 18 and run it again.


❝I want to give a 5 star endorsement of Mike Riley and his software program❞

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

Dave Falvey, Esq. - Groton, Connecticut

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.

Jack Germain, Software Reviewer - New York
See all testimonials

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.