A one minute overview on using our debt reduction software.

The concept of a payment snowball is both complicated and simple at the same time. This 1 minute video explains how you slowly build momentum one debt at a time until it turns into a powerful payment snowball.

Discover 7 debt-reduction strategies, and a step-by step guide to reduce your interest penalties and get out of debt 55 to 65% faster.

Our CardCalc Wizard calculator will show you the true cost of making only the minimum monthly payment.

Watch this two minute video and see how easy ZilchWorks makes it for you to pick your own debt-free date.

❝I wish I had known about this program before paying $45 a month❞

I have a goal, which is to retire soon and spend time with my 2 awesome grandsons, ages 6 and 8. You are going to help make that happen because I'm going to use ZilchWorks to pay off my mortgage as fast as I can.

I originally learned about your software from a friend who uses it. She swears by it! In the past I have used a debt management company to pay off $32,000 of credit card debt, and am paying my last $1,000 on those cards. It has taken 8 long years. I wish I had known about this program before paying that company $45 a month to do what I could have done myself in a shorter length of time.

Thank you for creating this awesome software. God bless you.

Marlena B. - Canton, Texas