GET OUT OF DEBT TODAY

Create a realistic debt payoff plan in 10 minutes.

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

Reduce stress. Gain peace of mind.

Zilch Standard App

Version 29.7

Get yourself out of debt fast and save thousands of dollars. Easy to use. Trusted solution for 33 years.

Debt Manager Pro App

Version 4.0

Create high quality debt repayment plans for your clients in less than 10 minutes. Excellent tool for financial counselors.

Credit Card Math App

Version 2014

Get the inside scoop on how credit cards work. Goes behind the scene and exposes the huge money making techniques used by credit card issuers.

Reduce Stress. Gain 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

Today is the day I get out of debt!

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( Video: Today is the day )

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.

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( Video: How Zilch Works )

ZilchWorks on Good Morning America

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( Video: ZilchWorks on GMA )

Testimonial scroll

❝I wish I had known about this program before paying $45 a month❞

I have a goal, which is to retire soon and spend time with my 2 awesome grandsons, ages 6 and 8. You are going to help make that happen because I'm going to use ZilchWorks to pay off my mortgage as fast as I can.

I originally learned about your software from a friend who uses it. She swears by it! In the past I have used a debt management company to pay off $32,000 of credit card debt, and am paying my last $1,000 on those cards. It has taken 8 long years. I wish I had known about this program before paying that company $45 a month to do what I could have done myself in a shorter length of time.

Thank you for creating this awesome software. God bless you.

Marlena B. - Canton, Texas

Don't forget. Tell your friends about us!

Why ZilchWorks

Deep down you know there really is no magic fix to your debt solution. We are here to help you make that uphill climb with debt repayment strategies that work.