Got Debt?
You're Not Alone!
35-Year Track Record
Trusted by 16,000+ People
$114 Million in Debt Eliminated
We do one thing, and do it very well.
We get you out of debt!
"ZilchWorks is the most mind-bogglingly useful financial software I have ever seen."
"This program is so easy to use... ZilchWorks showed me exactly what to do to reduce my debt as quickly as possible. I am gaining back my financial freedom."
(Click to watch the video )
Features and Pricing
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)
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
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
A Special Note from Michael Riley
When I built ZilchWorks back in 1991, I wasn't thinking about copycats, marketing, or gimmicks. I was thinking about people - people buried in debt, people like me, who needed a way out.
Over the years, I've seen dozens of imitators come and go. That's fine. But if anyone is going to give this calculator away for free, it should be me - the original creator.
Here's why I made a free version:
- Because debt already costs you enough.
- Because not everyone can afford my full ZilchWorks product, but everyone deserves a chance at a debt-free life.
- Because I believe in people chasing their dreams. If I could build something that has helped thousands, so can you.
I've walked this road. I know the struggle. That's why I care so deeply about helping you break free. This isn't a gimmick. It's simply the best tool I can give you - for free.
We Believe
Life is better without debt.
Rock bottom is only temporary.
Every day is an Etch-a-Sketch.
Courage begins with a single choice.
A rut is simply a grave with the ends kicked out.
Nobody is perfect. Everyone deserves a second chance.
We give back your money when we can't make it right.
We ask for forgiveness when we screw up.
We may never pass this way again.
Each of us has a pilot light.
Anyone can get out of debt. Even you.