Try ZilchWorks Free for 30 Days

No credit card required

Download the fully-functional trial and create your personalized debt payoff plan in minutes.

What happens after you click Download?

Most browsers will download the installer automatically. Depending on your settings, you may see:

  • "Keep / Discard?" ? Choose Keep.
  • "This file is not commonly downloaded." ? This is normal.
  • The browser blocks the file ? Click Allow, Recover File, or Keep Anyway.
  • Nothing seems to happen ? Check your Downloads folder.

All ZilchWorks installers are safe to run.

Free

$0

  • Designed for the consumer
  • Unlimited debts and creditors
  • Avalance or Snowball payoff strategy
  • Pledge Money Accelerator
  • Downloadable CSV Payment Schedule
  • No credit card required
  • Available online with any device (phone, tablet, computer)
Use the Free Calculator
Most Popular

Standard

$69.95

  • Designed for the consumer
  • Unlimited debts and creditors
  • Avalance, Snowball, or Custom payoff strategy
  • Pledge Money Accelerator
  • Save & load multiple plans
  • Dial-a-Date (Pick your payoff date)
  • Optional One-Off Payments (Tax refund, bonus, etc)
  • Data Entry Worksheet
  • Detailed Printable Reports
  • Export Reports as PDF files
  • Online help
  • One-time purchase (no subscription)
  • Requires Microsoft Windows
Learn more
Download Free Trial

Professional

$295.95

  • Designed for the business owner
  • Up to 30 debts and creditors
  • Avalance, Snowball, or Custom payoff strategy plus 4 others
  • Pledge Money Accelerator
  • Save & load multiple plans
  • Dial-a-Date (Pick your payoff date)
  • Debt Analisys Tool
  • Loan Calculators
  • Investment Calculators
  • Report Builder Branding Tool
  • Data Entry Worksheet
  • Detailed Printable Reports
  • Online help
  • Licensed for business use
  • One-time purchase (no subscription)
  • Requires Microsoft Windows
Learn more
Download Free Trial

Which option is right for you?

Free

Perfect if you want to try the original Debt Snowball Calculator online and see how fast ZilchWorks can help you pay down your balances.

Standard

Best for individuals and couples who are ready to get serious about becoming debt free and want full desktop software, printable reports, and powerful planning tools.

Professional

Built for financial coaches, counselors, and advisors who create customized payoff plans for clients and need advanced analysis and branded reports.

"I downloaded the trial just to check it out. Ten minutes later I knew I was buying it."

- S. T., Florida

Frequently Asked Questions

Zilch Standard and Debt Manager Professional are one-time purchases. There are no recurring subscription fees. The Free option is an online calculator you can use at no cost.

Yes. Many people begin with the Free calculator to get comfortable with the payoff method. When you are ready for printable reports, saved plans, and more control, you can upgrade to Zilch Standard or Debt Manager Professional.

Zilch Standard and Debt Manager Professional are designed for Microsoft Windows. After you purchase, you receive a download link and license key by email so you can install the software on your computer.

Every paid plan comes with a 30-day money back guarantee. If you decide ZilchWorks is not right for you, contact us within 30 days of purchase and we will issue a refund.

Ready to purchase? You can buy securely through our FastSpring Store.

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