Pricing and Ordering

30-Day Money Back Guarantee

Choose the plan that fits where you are today and start your debt-free journey with confidence.

Start where you are. Grow as you go.

Whether you want to try the Free calculator, download Zilch Standard for your own debts, or use Debt Manager Professional with clients, every option is built on the same proven ZilchWorks payoff engine.

  • 30-day money back guarantee on paid plans.
  • No subscriptions or surprise renewal fees.
  • Designed and supported by Michael J. Riley, retired USMC Gunnery Sergeant.

What happens after you order?

  1. You are taken to our secure FastSpring checkout.
  2. After purchase, you receive a download link by email.
  3. Install the software, enter your debts, and create your plan in minutes.
  4. Your 30-day risk-free period begins the day you buy.

Free

$0

  • Designed for the consumer
  • Unlimited debts and creditors
  • Avalance or Snowball payoff strategy
  • Pledge Money Accelerator
  • Downloadable CSV Payment Schedule
  • No credit card required
  • Available online with any device (phone, tablet, computer)
Use the Free Calculator
Most Popular

Standard

$69.95

  • Designed for the consumer
  • Unlimited debts and creditors
  • Avalance, Snowball, or Custom payoff strategy
  • Pledge Money Accelerator
  • Save & load multiple plans
  • Dial-a-Date (Pick your payoff date)
  • Optional One-Off Payments (Tax refund, bonus, etc)
  • Data Entry Worksheet
  • Detailed Printable Reports
  • Export Reports as PDF files
  • Online help
  • One-time purchase (no subscription)
  • Requires Microsoft Windows
Learn more
Buy Standard

Professional

$295.95

  • Designed for the business owner
  • Up to 30 debts and creditors
  • Avalance, Snowball, or Custom payoff strategy plus 4 others
  • Pledge Money Accelerator
  • Save & load multiple plans
  • Dial-a-Date (Pick your payoff date)
  • Debt Analisys Tool
  • Loan Calculators
  • Investment Calculators
  • Report Builder Branding Tool
  • Data Entry Worksheet
  • Detailed Printable Reports
  • Online help
  • Licensed for business use
  • One-time purchase (no subscription)
  • Requires Microsoft Windows
Learn more
Buy Professional

Which option is right for you?

Free

Perfect if you want to try the original Debt Snowball Calculator online and see how fast ZilchWorks can help you pay down your balances.

Standard

Best for individuals and couples who are ready to get serious about becoming debt free and want full desktop software, printable reports, and powerful planning tools.

Professional

Built for financial coaches, counselors, and advisors who create customized payoff plans for clients and need advanced analysis and branded reports.

"Thank you. Your program helped me get out of debt fast."

- Rodney H., Minnesota

Frequently Asked Questions

Zilch Standard and Debt Manager Professional are one-time purchases. There are no recurring subscription fees. The Free option is an online calculator you can use at no cost.

Yes. Many people begin with the Free calculator to get comfortable with the payoff method. When you are ready for printable reports, saved plans, and more control, you can upgrade to Zilch Standard or Debt Manager Professional.

Zilch Standard and Debt Manager Professional are designed for Microsoft Windows. After you purchase, you receive a download link and license key by email so you can install the software on your computer.

Every paid plan comes with a 30-day money back guarantee. If you decide ZilchWorks is not right for you, contact us within 30 days of purchase and we will issue a refund.

When you are ready, choose the plan above that fits you best and let ZilchWorks build your personalized debt payoff plan.

Still deciding? You can always start with the Free calculator and come back here when you are ready for more power and flexibility.