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
From download to payoff plan, it’s four straightforward steps.
Download and install
Start with the Windows trial so you can build and review your plan before you buy.
Enter debt info
Add your debts, balances, interest rates, payments, and due dates.
Blast your debts
Choose a payoff strategy and let Debt Blaster calculate a clear path forward.
Follow the plan
Use the month-by-month schedule to know what to pay next.
Inside Debt Blaster, the work stays simple.
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.
Stay the course.
Use the month-by-month schedule to know what to pay next and keep moving toward zero.
That’s it. Debt Blaster turns the details you enter into a clear payoff order, a visible payoff date, and a schedule 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 price is fixed. The cost of waiting isn’t.
Debt Blaster is a one-time purchase. Staying without a clear payoff plan can keep costing you month after month.
Debt Blaster
$79.95 once
A known price for a plan you can see and test.
- A clear payoff order
- A payoff date you can see
- Direction for extra money
- No subscription
Staying unclear
An open-ended cost
The price is harder to see because it keeps moving.
- Interest and minimum payments continue
- The payoff order remains unclear
- Extra money lacks a clear target
- The finish line stays hidden
One cost is known. The other keeps moving until you have a plan.
- One-time purchase.
- No subscription.
- No cloud account required.
Build your plan in the Windows trial. See what to pay next, test your payoff date, and decide with your own numbers in front of you.
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.
There is a 35-year story behind the new name.
Read the story behind Debt Blaster
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.