❝Wow! This is so simple. I like it. It used to take me forever to figure this out by hand. Thank you very much!❞
Michaela Kral - Texas

Buy Now Try Now How it Works
Requires Microsoft Windows
How Zilch Works Steps 1 through 6

Step 5 - Make the monthly payments.

Print your Monthly Payment Schedule by clicking the Payment Schedule button on the Debt Repayment Screen.

( Print Payment Schedule )

The Monthly Payment Schedule is your yellow brick road. Each brick represents a monthly payment. These monthly payments have been carefully layed out to ensure you get out of debt as fast as possible. You follow the yellow brick road by making each payment.

( Monthly Payment Schedule )


Along the way you will encounter transitions. Transitions are a good things. A transition happens when the last payment is made to a creditor. When a creditor is paid off, it frees up some money. That freed up money gets shifted to the next creditor. This shift is called a transition.

The first transition is shown by the red outlined section below. The monthly payment going to Sears gets shifted to MasterCard. It is partially shifted in March because Sears has smaller last payment. It is fully shifted in April because Sears is now completely paid off.

( Monthly Payment Schedule - Transition #1 )

The second and third transitions are highlighted below. The monthly payments from paid off accounts is shifted to the next priority debt.

( Monthly Payment Schedule - Transition #2 and #3 )

These transitions form what is called a payment snowball. This video, taken from Credit Card Math, explains the concept of payment snowballing and demonstrates how the transitions are created.

( The Concept of Payment Snowballing )
Information about Credit Card Math can be found here

How Zilch Works Steps 1 through 6

❝It is almost laughable at how easy it is to get this paid off❞

After being trapped by the vultures in the credit card industry, I followed your advice and have started to make progress paying off my debts. I never knew about the ways these vicious companies keep a consumer paying for years and years. You have really opened my eyes to this problem.

I have followed your advice for 15 months. My minimums are so low its shocking but I keep making the amount I set up. It is almost laughable at how easy it is to get this paid off but without your help, I never would have been able to do this. Thanks again Mike. Keep doing what you're doing. And I hope you get rich and famous and live a fantastic life.

Robert Gardner - Georgia
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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 found myself in the predicament of high credit balances. I heard the ads on the radio and TV about debt counselors, and credit counseling companies. I did not feel safe, or comfortable about contacting these strangers and trusting them with all my information.

I did not have the time to go through their process and was suspicious of the true cost of their assistance. Then I found out about ZilchWorks, ordered it, installed it and realized that with this tool I could be my own debt counselor!

This program is so easy to use and does what all the other companies want to charge you for. I was able to work out my payment plan in the privacy of my home. ZilchWorks showed me exactly what to do to reduce my debt as quickly as possible. I am gaining back my financial freedom with ZilchWorks. Thank you Michael for creating this wonderful program.

Kathy McClain, Ed.S. Career Educator - Michigan
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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.