Pick your target month and year.
Simply choose when you want to be completely debt-free.
Dial-A-Date: Debt Blaster Exclusive
Pick a debt-free date. Then see the monthly pledge that gets you there.
Most payoff tools start by asking what is left over.
“How much extra can you pay?”
Dial-A-Date starts with the finish line you want.
“When do I want to be debt-free?”
Get your pledge amount instantly.
Debt Blaster calculates the monthly payment needed to hit that date.
Dial it in or dial it back.
Shorter timelines require higher monthly commitments. Longer timelines offer a more gradual path.
Debt payoff feels different when you can test the finish line before committing to it. Move the date sooner or later, see the pledge change instantly, and choose a plan that feels possible instead of imposed.
How Debt Blaster Works
Fill in the blanks. Push a button. Follow the plan.
Fill in the blanks.
Enter your debts, balances, rates, payments, and due dates.
Push a button.
Debt Blaster does the math and turns your debts into a payoff plan.
Follow the plan.
Use the month-by-month schedule to know what to pay next.
You do not have to untangle the math by hand or wait for someone else to tell you what to do next. Debt Blaster gives you the next payment, the next target, and a clear path you can follow on your own.
“It used to take me forever to figure this out by hand.”
Wow! This is so simple. I like it.
Debt payoff gets easier when the plan is visible.
See every debt, every next move, and every what-if before you decide.
Organize the pile
I have multiple debts.
Put balances, rates, payments, and payoff order in one place so your debt picture stops feeling scattered.
Choose the first move
I need to know what to pay first.
Compare payoff methods before you commit, then see which debt gets attacked first and why.
Follow the path
I want a month-by-month plan.
Know what to pay next without rebuilding the plan by hand every time something changes.
Test what-if payments
I want to test extra payments.
See how extra money can change your payoff date and interest picture before you decide what is realistic.
Debt feels heavier when the details are scattered. Debt Blaster brings the pieces together so you can see the plan, test your choices, and make the next move with confidence.
“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.
Price
$79.95
The real cost isn’t the price. It’s staying unclear.
Most of us spend $79.95 on things that feel good for a moment: coffee, takeout, impulse buys, little leaks that disappear.
But staying unclear can cost more. Much more.
Another month of guessing what to pay first. Another month of wondering where extra money should go. Another month of hoping your payments are moving you closer to zero.
- One-time purchase.
- No subscription.
- No cloud account required.
Debt Blaster lets you build the plan before you buy. See the path, test your payoff date, and decide whether one clear purchase is worth replacing another month of financial guesswork.
Choose your version
Start with the version that fits how you work.
Ready now
Windows - Ready now
Full desktop payoff-planning experience.
Get Windows trial
Coming soon
Mac - Coming soon
Debt Blaster for macOS.
Join Mac list
Coming soon
iPad - Coming soon
Touch-friendly payoff planner.
Join iPad list
Design phase
Mobile - Design phase
Mobile-friendly payoff planner.
Join mobile listFAQ - Quick answers before you start
Short, clear explanations before you choose a version or download the trial.
- Organize your debts
- Compare payoff strategies
- Follow a clear month-by-month payoff plan
A way to pick your debt-free date and instantly see the monthly pledge needed to hit it.
The monthly amount required to reach the debt-free date you selected.
No - it's a debt payoff planner.
It helps you organize debts, choose a payoff strategy, and follow a clear plan.
No.
Debt Blaster is a one-time purchase with no subscription and no cloud account.
Pick the platform you use most: Windows, Mac, iPad, or Mobile.
No - it's a single purchase.
Debt Blaster is the new name for debt payoff software from ZilchWorks, a small independent software company that has been helping people build payoff plans since 1991. The name is new. The mission is not.
A debt payoff planner with a long history.
Debt Blaster is the clearer new name for debt payoff software by ZilchWorks. The name is new. The payoff-planning experience behind it is not.
Since 1991
Debt payoff software history
16,000+
People helped by ZilchWorks software
$114M+
Debt planned for elimination
No cloud
Desktop planning stays local
Featured on Good Morning America
ZilchWorks was featured on Good Morning America for helping people build a clear debt payoff plan and get out of debt faster.
Ready to see your payoff plan?
Start with the Windows trial and see what your own debt-free path could look like.