Build a real plan
Turn scattered balances and payments into one clear monthly payoff roadmap.
Save your work
Create, save, and revisit multiple plans instead of starting over every time.
Print reports
See the numbers clearly with printable reports and a month-by-month payment schedule.
One-time purchase
Buy it once and use it without a subscription hanging over you.
Featured on Good Morning America
ZilchWorks was featured for helping people see a practical path out of debt.
From scattered bills to one clear plan
Zilch Standard is built for personal use. It helps you organize your debts, compare payoff options, and see exactly how your plan unfolds month by month.
You do not need to build formulas, juggle spreadsheets, or guess what to pay next. Zilch does the math and lays out the path.
Best fit for people who:
- prefer an offline tool over a cloud-based app
- want saved plans and printable reports
- want more depth than the free calculator
- want a one-time-purchase tool
Save and compare plans
Create multiple plans, compare strategies, and come back later without re-entering everything.
Dial-a-Date
Pick a target debt-free date and see what monthly payment level gets you there.
One-Off Payments
Add tax refunds, bonuses, or other windfalls and let Zilch recalculate the plan for you.
Printable reports
Print or export reports that make your progress and monthly schedule easy to follow.
Inside Zilch Standard
One plan. Your debts. Your one-off payments. All in one place.
Set up your plan
Name the plan, choose a start month, pick a payoff strategy, and set your monthly pledge money.
Add your debts
Enter each balance, APR, and payment so Zilch can build your payoff roadmap.
Add One-Off Payments
Add tax refunds, bonuses, or other extra cash and let Zilch recalculate the plan for you.
Your month-by-month roadmap
Zilch Standard compares your current minimum-payment path with your Zilch plan so you can clearly see:
- How fast you can become debt free
- How much interest you can save
- How your payoff plan compares to minimum payments
- How pledge money shifts and one-off payments change the timeline
When you want the full picture, the detailed monthly payment report shows exactly how the plan unfolds.
Detailed monthly payment report
Follow the plan month by month with a report that is easy to print and review.
What people are saying
Zilch Standard helps people stop guessing and start following a real plan.
"This program is so easy to use... ZilchWorks showed me exactly what to do to reduce my debt as quickly as possible. I am gaining back my financial freedom."
"The numbers blow my mind - thanks for giving folks the pathway to freedom. This is doable - I visually see it!"
Customer Satisfaction Guarantee
Try it, see the value, and stay in control of the decision.
Try risk-free for 30 days
Use the software and explore everything it has to offer without pressure.
See the value for yourself
If you do not feel more in control of your debt or see the benefit, you are not stuck with it.
Get a full refund
Request a refund within 30 days and get 100% of your purchase back. No hassle.
Want to start free first?
Some people want to run the numbers first before they commit to desktop software. That is a good reason to start with the current free calculator.
Zilch Standard is the deeper next step when you want saved plans, printable reports, Dial-a-Date, and one-off payments.
Need help getting started?
Use the Quick Start Guide to walk through the setup process and see how a plan comes together.
It is a good bridge for people who want a little more confidence before they buy or before they enter their first plan.
Frequently asked questions
A few quick answers for people comparing their options.
Keep this FAQ focused on real product-evaluation questions, not broad calculator intent.
Ready to stop letting minimum payments call the shots?
Build your plan, see your debt-free date, and follow a clearer path forward.
One-time purchase. No subscription.