GET OUT OF DEBT TODAY!

Wipe out your credit card debt and save thousands in interest penalties.

Just fill in the blanks and push a button. We turn the information about your debts into a step-by-step payment plan that gets you out of debt. You'll save a ton of money and get out of debt fast.

Simple Safe Effective

Requires Microsoft Windows
How Zilch Works Steps 1 through 6

Step 4 - Create your debt repayment plan.

This is where the magic happens. With the simple click of a button, we take your information and build your personalized yellow brick road. Each brick in your road represents a monthly payment. These bricks have been carefully layed out to get you out of debt as fast as possible. And, save you a lot of money. All you have to do is follow the yellow brick road and make each payment along the way.

Start by clicking the Debt Repayment Plan button. When you click the Debt Repayment Plan button the Debt Repayment Plan screen appears.

( ZilchWorks Main Screen )

There is a lot to look at on the Debt Repayment Plan screen. It almost makes you feel like you are sitting in the cockpit of an airplane. What do I look at first? Why are there so many colors? What does this box mean? How come there is chart in the middle of the screen? Why is it there?

We get it. That's why we created a video to explain what you are looking at. Take a couple minutes and watch the short, little video below.

( Debt Repayment Plan Screen )

This show and tell, video explains the Debt Repayment Plan screen. It clarifies everything you see. The colors. The boxes. The chart. The buttons. It shows you each item and tells you what each item does.

( Debt Repayment Plan Video )

How Zilch Works Steps 1 through 6

❝Shortly after I started using Zilch I was eligible to buy a house❞

I was looking through my cancelled checks to shred old records and found a check to you for Zilch written on 10/3/1999 for $34.00. Money well spent.

Thank you. Your program accelerated my debt reduction. Shortly after I started using Zilch I was eligible to buy a house and have almost never carried a balance into the next month.

Thanks again.

Rodney Nibbe - Minnesota
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Buy Now Try Now How it Works?
Requires Microsoft Windows

USMC Gunnery Sergeant Chevron

zilchworks.com 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."

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
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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.