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Create your 3 step plan
and get out of debt today!
Zilch Standard turns a pile of bills into a clear, step-by-step payoff plan.
Gather your debts
List your debts or print the worksheet.
Enter your details
Fill in a few simple fields—no spreadsheets.
See your plan
One click and your payoff plan appears.
Gather your debts
Print the Data Entry Worksheet to collect your debts in a calm, organized way. Seeing everything on a single page is the first step toward taking control.
Enter your details
Name your plan, pick a start month, choose a payoff strategy, and decide how much extra money you can pledge each month. Then add each debt with a few simple fields.
You can also enter One-Off Payments—like tax refunds, bonuses, or unexpected cash—to speed up your plan even more. Zilch automatically applies them at the right moment and recalculates everything for you.
Zilch does all the heavy lifting behind the scenes, so you never have to touch a spreadsheet.
See your plan
Zilch compares your current minimum payments with the Zilch Payment Plan and shows you, in seconds:
- How fast you can become debt free.
- How much interest you will save.
- How your plan compares to minimum payments.
- Your complete month-by-month payoff roadmap — including pledge money shifts and one-off payments.
Clear, color-coded charts and a detailed payment schedule make it easy to understand your plan at a glance and see exactly how your payoff journey unfolds over time.
Your complete month-by-month payoff plan, including pledge money shifts and one-off payments.
"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."
See how fast you can become debt free.
Your personalized plan is only one click away.
One time purchase. No subscription. Requires Microsoft Windows.
Customer Satisfaction Guarantee
We stand behind our product. Here is our promise to you:
Try Risk-Free for 30 Days
Use the software and explore everything it has to offer - no pressure, no strings attached.
See Real Results or Walk Away
If you do not feel more in control of your debt or see the value, no problem.
Get a Full Refund - No Questions Asked
Just let us know within 30 days. We will refund 100% of your purchase, no hassles, no hard feelings.
How much longer will you let minimum payments call the shots?
Every month you wait is one more month of interest you didn't need to pay.
Do you really have money to throw away?