Get out of Debt Apps

Create a realistic debt payoff plan in 10 minutes

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. Unbelievable results.

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.

The secret to getting out of debt

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 debt highest priority debt. ZilchWorks takes all the information about your debts (balances, interest rates, monthly payments) and intstanly turns it into a realistic payoff plan. You see exactly how much to pay each credit each month.

( The secret to getting out of debt )

What our customers say

Testimonial scroll

❝I realized that with this tool I could be my own debt counselor!❞

I found myself in the predicament of high credit balances. I heard the ads on the radio and TV about debt counselors, and credit counseling companies. I did not feel safe, or comfortable about contacting these strangers and trusting them with all my information.

I did not have the time to go through their process and was suspicious of the true cost of their assistance. Then I found out about ZilchWorks, ordered it, installed it and realized that with this tool I could be my own debt counselor!

This program is so easy to use and does what all the other companies want to charge you for. I was able to work out my payment plan in the privacy of my home. ZilchWorks showed me exactly what to do to reduce my debt as quickly as possible. I am gaining back my financial freedom with ZilchWorks. Thank you Michael for creating this wonderful program.

Kathy McClain, Ed.S. Career Educator - Michigan

Are you looking for peace of mind and a renewed sense of hope and excitement?

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

It's time to make a decision

Yes, I definitely want to:

  • Get out of debt in 18-24 months
  • Reduced my stress
  • Gain peace of mind


Well, I'm thinking about:

  • Getting out of debt a little bit
  • Reducing my stress some
  • Gaining more peace of mind


I'm still kinda just looking right now

  • Getting out of debt is cool though
  • Reducing stress is a good thing
  • Peace of mind sounds like fun


Anything else I might be interested in?

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