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

How do I know ZilchWorks is going to work?

We treat your money like it was our money.

ZilchWorks is based on math. Math is a science. And the best part is... we do all the math for you. When you push the "Debt Repayment Plan" button it triggers thousands of calculations that figure out the best way to use your hard earned money. You get a personalized monthly payment plan that shows you when you will be out of debt. It shows you exactly how much to pay each creditor each month.

Your success depends on how commited you are to making these monthly payments. Because your monthly payment plan shows you when each debt is paid off, you see the light at the end of the tunnel. You know your goal of getting out of debt can happen. This gives you a sense of hope. Hope turns into belief which leads to resolve. This feeling of resolve strengthens your commitment.

Which payoff strategy is best for me?

Personality Trait Strategy
I'm a numbers person. Numbers make sense to me. Avalanche
I am not numbers person. Numbers scare me. Snowball
I want to save the most money no matter what. Avalanche
I want to get out of debt as fast as possible. Avalanche
I'm looking for fast results. I like to see progress. Snowball
I need lots of encouragement along the way. Snowball
I'm a take charge type of person. I like to be in control. Custom

Avalanche

The avalanche payment strategy organizes your outstanding debts by interest rate. With the highest rate debt at the top and the lowest rate debt at the bottom. You make the minimum payments on all your debts except the one at the very top. Any extra money you have available gets added to the very top debt each month until that debt is paid off.

When the top debt is paid off, that money drops down to the next highest interest rate debt. This is the start of the avalanche. This additional money speeds up paying off debt number two. It's just like an avalance where the accumulation of snow from above keeps growing as the weight of more snow is constantly added. As each debt is paid off the speed at which the next remaining debt is paid off increases.

The ZilchWorks payoff strategy of Annual Percentage Rate = Avalanche

Snowball

The snowball payment strategy organizes your outstanding debts according to how quickly they can be paid off. This puts emphasis on getting rid of the easy to payoff debts first. You make the minimum payments on all your debts except the one at the top of the list. Any extra money you have available gets added to this debt each month until that debt is paid off.

When the first debt is paid off, that money is added to the next debt in the list. This is the start of the snowball. This additional money speeds up paying off debt number two. It's just like a snowball where the accumulation of snow from rolling a snowball around adds to its size and weight. As each debt is paid off the speed at which the next remaining debt is paid off increases.

The ZilchWorks payoff strategy of Quick Elimination = Snowball

Requires Microsoft Windows

What do others say about ZilchWorks

We have been selling our software to people just like you for over 30 years. You can read what our customers have to say here. ZilchWorks was the first software product to show people how they could get out of debt by following a simple to use, systematic approach. We called this process the "Payment Snowball".

What separates ZilchWorks from the crowd is our passion for helping people. We put people first. If you are not satisfied for any reason with our software just ask for a refund. We will refund your money no questions asked, provided you give some reason for wanting a refund. We may ask you why, but we will never refuse to refund your money.

ZilchWorks has been named one of the best apps for helping people get out of debt in 2020 and 2021.

And to our complete surprise, Good Morning America named ZilchWorks as one of the best apps for helping debt ridden comsumers.

ZilchWorks seen on the T.V. show Good Morning America

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

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

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

Use the "Dial-A-Date" feature and pick a Debt Free Date 18 months away.

Requires Microsoft Windows

Do you want to save a ton of money in credit card finance charges?

Our debt deduction software analyzes your debts, determines the most efficient way to pay them off, and produces a personalized debt repayment plan that saves you a ton of money. By following your personalized debt repayment plan you will save thousands of dollars in interest penalties.

This is real, hard-earned money. This is your money. This is money you are currently giving away to creditors for no reason.

Pledge Money is the extra money (if any) you can apply toward your debt repayment plan each and every month. The more Pledge Money you use, the faster you will get out of debt and the more you will save in unpaid interest penalties.

While adding Pledge Money does make a difference, it is not necessary for you to have any extra money to make this program work for you.

Would you like a renewed sense of hope and excitement?

Because you instantly 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
Requires Microsoft Windows

Guaranteed assurance of absolute and complete privacy!

Your personal and financial information are never shared with anyone! That's right. You purchase our debt reduction software and download it to your computer. What you do with our software from that point on is entirely up to you.

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

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

❝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
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 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
See all testimonials

Why ZilchWorks

Our software is easy to use. There is no special skill, knowledge, or expertise required.