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
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
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
❝Shortly after I started using Zilch I was eligible to buy a house❞
I was looking through my cancelled checks to shred old records and found a check to you for Zilch written on 10/3/1999 for $34.00. Money well spent.Rodney Nibbe - Minnesota
Thank you. Your program accelerated my debt reduction. Shortly after I started using Zilch I was eligible to buy a house and have almost never carried a balance into the next month.