Reduce Your Debts To 'Zilch'

Turn the data about your debts into a monthly payoff plan with 3 simple steps.

Credit card issuers don't required the entire balance to be paid in full each month. Instead, they calculate the minimum monthly payment due as a percentage of the outstanding balance. This is called a declining payment. Credit card companies use this method to make thousands of dollars by dragging out the payments for years.

Zilch is easy to use, and will show you how to beat these credit card issuers at their own game. You simply enter the name, annual percentage rate, balance, and monthly payment for each of your creditors. Zilch does the rest.

You get a personalized monthly payment schedule that calculates when you will be out of debt. Your payment plan shows you exactly how much to pay each creditor every month. Now, you cant take advantage of trade secrets used by expert financial counselors in the privacy and comfort of your own home.

See for yourself why Zilch has been a trusted solution for over 33 years. Download your free trial today!

Simple. Safe. Effective.

Requires Microsoft Windows
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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

HOW ZILCH WORKS

The secret to getting out of debt fast is using a payment snowball. As one debt is paid off you shift that money to the next highest priority debt. ZilchWorks takes all the information about your debts (balances, interest rates, monthly payments) and intstantly turns it into a realistic payoff plan. You see exactly how much to pay each credit each month. See a detailed walk-though of how Zilch works.

GUARANTEED 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

PEACE OF MIND

Because you see your actual debt-free date, there's a wonderful feeling of hope that comes over you. Hope that immediately turns into belief. A belief that's strong. Why is that belief so strong, because there really is a light at the end of the tunnel. You can see it. You believe it. You know you will get out of debt soon. Now that's exciting.

  • You have a plan to get out of debt on a specified date
  • You know how much to pay every single creditor each month
  • You will make it happen

WHAT PEOPLE SAY

Testimonial scroll

❝Shortly after I started using Zilch I was eligible to buy a house❞

I was looking through my cancelled checks to shred old records and found a check to you for Zilch written on 10/3/1999 for $34.00. Money well spent.

Thank you. Your program accelerated my debt reduction. Shortly after I started using Zilch I was eligible to buy a house and have almost never carried a balance into the next month.

Thanks again.

Rodney Nibbe - Minnesota