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

Zilch Standard - Debt Reduction Software

Pay Off Credit Card Debt With No Loans!

Zilch Standard grabs all of the details about your debts, interest rates, current payments, outstanding balances, etc... and instantly turns the whole thing into a month-by-month debt management plan.

You'll get your very own personalized, debt management plan that shows you exactly how much to pay every single creditor each month. No more guessing who to pay first. No more figuring out the best way to utilize your hard-earned money. We do all of that for you.

BUY NOW $39.95
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Debt Manager Professional

Create Debt Management Plans in 10 Minutes or Less

Spend more time with your clients and less time building reports for them. You'll create stunning, easy to understand debt management plans in less than ten minutes. You will be totally amazed how quickly your customers just simply "get it"

Debt Manager Professional is the perfect tool for financial counselors and those who feel compelled to offer financial help to others.

BUY NOW $249.95
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Credit Card Math

Avoid Costly Credit Card Mistakes Forever!

Credit Card Math goes behind the scenes and reveals the true hidden costs associated with credit card debt. It teaches you how to get out of debt fast, save money and beat credit card issuers at their own game.

BUY NOW $19.95
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❝I realized that with this tool I could be my own debt counselor!❞

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

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."

Excellent program. You are a genius!. Good work. I love it.

Linda Williams - North Carolina
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Why ZilchWorks

Our software does one thing, and does it very well. We help you get out of debt.