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 32 years. Download your free trial today!
Reduce stress. Gain peace of mind.
Zilch Standard App
Get yourself out of debt fast and save thousands of dollars. Easy to use. Trusted solution for 32 years.
- How Zilch works
- What our customers say
- Download a free trial of Zilch Standard
- Requires Microsoft Windows
- BUY NOW FROM OUR STORE $39.95
Debt Manager Pro App
Create high quality debt repayment plans for your clients in less than 10 minutes. Excellent tool for financial counselors.
Credit Card Math App
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!
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.
What People Say
❝You'd think someone with a Finance degree would be able to avoid debt❞
You'd think someone with a Finance degree would be able to avoid debt, but my husband and I hadn't avoided it. I had quit working to raise our family, and two of our children had major medical bills. We found ourselves in over $80,000 of mostly unsecured debt. I was desperate when I found ZilchWorks. Your software was like a ray of light shining in on our dark situation.Lovina Penry - California
When I SAW, that we could be debt free by 2011, even though that was years away, it was just the motivation I needed. The printed reports have been vital in our success. They keep me on track when I am tempted to spend money I shouldn't be. I keep them handy so I can glance at them and remind myself where we are headed. The idea that we will have financial freedom THIS YEAR is exhilarating!
I now have the desire to help others get out of their debt situations, so I am happy to tell the world that ZilchWorks can get you there. And by the way, this is a “paid” testimony... we've been “paid” all the interest that would have been shelled out to lenders had I not found this program.
I pray we never find ourselves back in the credit card mess we were in. But if for some emergency we do, I will have the tools ZilchWorks taught me to get us out of it!