❝I have been looking for a program like this for 3 years! This is perfect. It is exactly what we've been needing! Thank you!❞
Barbara P. - Florida

Buy Now Try Now How it Works
Requires Microsoft Windows

Simply dial in your debt free date and push a button!

All you do is pick your debt-free date and ZilchWorks does the rest. Your customized debt repayment plan is built instantly, right in front of your eyes, based on your specific debt-free date. Watch this two minute video and see how easy it is to pick your own debt-free date.


Mike Riley here from ZilchWorks. I want to talk to you about our dial-a-date feature that comes with our debt reduction software. Dial-a-date lets you pick the debt free date and ZilchWorks does the rest.

To demonstrate how the dial-a-date works I'm going to load a sample file. I'm going to choose sample two. And if you notice sample two has four debts. Total debts $11,242 dollars, monthly payments are equal to $299 dollars, and pledge money is at $100 dollars. To use our dial-a-date feature click on the debt reduction button.

If you notice this debt repayment plan is going to take thirty-seven months to pay off. Now suppose you wanted to be out of debt in twenty-four months instead of thirty-seven months. That's when you would use the dial-a-date feature.

To use the dial-a-date feature you click on the third radio button and dial in the number of months you want your debt repayment plan to take. In this example let's say twenty-four months. Hit the calculate button and ZilchWorks does thousands and thousands of calculations. It determines that you need $259 dollars in pledge money in order to pay off these four loans or debts in twenty-four months.

Now suppose you wanted to be out of debt in eighteen months instead of twenty-four months. Go back down to the dial-a-date section and dial it down to eighteen months. Hit the calculate button and ZilchWorks again does thousands and thousands of calculations and determines that you need $414 dollars in pledge month each and every month.

That is how you use the dial-a-date feature of our debt reduction software. Remember, our debt reduction software has a dial-a-date feature that lets you pick the debt free date and ZilchWorks does the work for you.

This is Mike Riley from ZilchWorks. Thank you for watching.


What is Pledge Money?

Pledge Money is the extra amount of money (if any) you can afford to apply toward your debt repayment plan each and every month. The more Pledge Money you can use, the faster you will get out of debt and the more money you will save. While adding Pledge Money can make a difference, it is not necessary for you to have any extra money to make this program work for you.

❝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
Buy Now Try Now How it Works?
Requires Microsoft Windows

USMC Gunnery Sergeant Chevron is owned and operated by Michael J. Riley, a retired United States Marine Corps Gunnery Sergeant. Riley's easy to use Zilch software has been helping people get themselves out of debt since 1991.

"Zilch does one thing and does it very well. It gets you out of debt."

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, Missouri
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Why ZilchWorks

We believe you need to be careful how and with whom you share your financial data. Our software never shares your financial information with anyone.