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

Achieve Financial Success One Debt at a Time!

Now you can take advantage of trade secrets used by expert financial counselors in the privacy and comfort of your own home.

Just fill in the blanks and push a button. Easy as 1... 2... 3!

Zilch Standard takes all of the details about your debts such as:

  • interest rates
  • currents payments
  • outstanding balances
  • etc...
and instantly turns everything into a personalized step-by-step monthly debt management plan.

STEP 1   Enter Your Info

Debts: 4   Total Debt: $11,242   Extra Money: $100

STEP 2   Push a Button

Savings: $8,837     Payoff Time: 37 Months

STEP 3   Make the Payments

Monthly Payment Plan
Buy Now Try Now How it Works?
Requires Microsoft Windows

Would you like to be out of debt in 18-24 months?

You pick your debt free date and Zilch instantly calculates how much extra money you need each month to meet your goal.

Let's say you want to be out of debt in 24 months. You simply select 24 months, push a button, and just like that you have a 24 month payment plan.

If you'd rather be out of debt in 18 months instead. No problem. Simply change your selection to 18 months, push a button, and like magic you have an 18 month plan.

STEP 1   Choose 24 Months

Choosing a 24 Month Plan

You are guaranteed total and absolute privacy.

Your personal information and financial data are never shared with anyone! When you purchase and install our software on your computer that's where it stays. From that point on what you do with our software is completely up to you.

  • No one sees your information unless you explicitly give it to them
  • No communication goes back and forth across the internet
  • No salesman will call and ask you for information

❝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
Buy Now Try Now How it Works?
Requires Microsoft Windows

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."

I am very excited about this program. It is just what I've been looking for. An answer to prayer actually. Randy and I are trying to get out of debt so that we will have more money to help our elderly parents. May God richly bless you!

Beverly Pope - Georgia
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Why ZilchWorks

We believe that being in debt sucks and we want to help you get out of debt as fast as possible.