Debt Payoff and Credit Card Software
Choose the Right ZilchWorks Product
Three Windows products. Three different jobs.
Debt Blaster builds personal payoff plans. Debt Manager Professional creates client-ready plans. Credit Card Math explains the mechanics behind credit card debt.
Compare the ProductsZilchWorks Flagship Product
Debt Blaster
For individuals and couples who want a clear, month-by-month plan to get out of debt faster.
- Compare Snowball, Avalanche, and Custom payoff strategies.
- Use Dial-A-Date to choose a target debt-free date.
- Add one-off payments and see how they change the plan.
- Follow a month-by-month payment roadmap.
- Plan locally on your Windows computer without connecting bank accounts.
$69.99 one-time purchase. Free Windows trial available.
For Counselors, Coaches, and Agencies
Debt Manager Professional
Build clear, branded debt payoff plans for clients without relying on spreadsheets.
- Enter client balances, APRs, payments, and pledge money.
- Compare multiple payoff strategies for real client cases.
- Generate payoff summaries and month-by-month reports.
- Brand printed reports with your organization details.
- Use a Windows product licensed for professional business use.
$295.95 one-time purchase. No subscription.
Credit Card Education
Credit Card Math
Understand how interest, minimum payments, and payoff choices affect what credit cards really cost.
- See how minimum payments can stretch payoff time.
- Understand how interest reduces your progress.
- Explore how several credit cards change the math.
- Learn how different payment choices affect the outcome.
- Try the Windows software before you buy it.
$19.95 one-time purchase. Free Windows trial available.
Quick Comparison
Not sure which one fits?
Start with the job you need the software to do.
Build my own payoff plan
Choose Debt Blaster.
Create plans for clients
Choose Debt Manager Professional.
Understand credit card math
Choose Credit Card Math.