ZilchWorks

Got Debt? Get ZilchWorks. Helping people get out of debt since 1991.
Haven't head of us? Yeah, we are very good at what we do, we've just sucked at marketing.

[ZilchWorks @ZilchWorks]

Since 1991, our software has helped over 16,000 people pay off $114M in debt. I’ve now made the core tool — the Debt Snowball Calculator — completely free. A simple way for people to see the true cost of minimum payments. https://t.co/BNN0gLlzxv
#debtfreejourney

[ZilchWorks @ZilchWorks]

Free Debt Snowball Calculator
https://t.co/FNsSwb8kwH

[ZilchWorks @ZilchWorks]

This is where most people give up.

Right before it starts working.

[ZilchWorks @ZilchWorks]

Most people don’t fail at getting out of debt…

They quit too early.

At first, nothing seems to happen.
But every payment builds pressure.
Then one debt falls…
And everything speeds up.

That’s the turning point.
👊 https://t.co/E5V7tI6lTc

[ZilchWorks @ZilchWorks]

Debt doesn’t fall in one round.
It falls one hit at a time.

That’s how momentum works.

👉 https://t.co/E5V7tI6lTc
#debt #personalfinance

[ZilchWorks @ZilchWorks]

And nearly 1 in 4 Buy Now, Pay Later users were late on a payment.

This isn’t random behavior. It’s how the math compounds when payments are stretched out.

[ZilchWorks @ZilchWorks]

46%.

That’s how many cardholders carry a balance.

Minimum payments aren’t designed to free you.

They’re designed to keep the machine running.

See the math yourself:
https://t.co/QuXDQ8rEul

[ZilchWorks @ZilchWorks]

46% of credit card holders carried a balance in 2024. Credit cards are built around minimum payments. Minimum payments are not a payoff plan — they are a prolong-the-debt plan.

Understand the math. Change the outcome.
🔗 https://t.co/BIElgIRFjB

[ZilchWorks @ZilchWorks]

Debt doesn’t happen all at once.

It happens minimum payment by minimum payment.

This video shows the moment everything changes.

See your debt-free date:
https://t.co/BIElgIRFjB

[ZilchWorks @ZilchWorks]

📅 What if you could choose your debt-free date?

This video shows how.

To learn more:
https://t.co/5npmJecQ2C

[ZilchWorks @ZilchWorks]

People don’t change because they’re motivated.
They change when results are visible.

A clear debt-free date.
Total interest savings.
A complete payoff roadmap.

That’s what makes progress stick.

https://t.co/GX48Df2SvB
#DebtFree #PersonalFinance

[ZilchWorks @ZilchWorks]

Details here: https://t.co/BIElgIRFjB

[ZilchWorks @ZilchWorks]

Results don’t come from motivation.
They come from systems that keep working after motivation wears off.
#DebtFree

[ZilchWorks @ZilchWorks]

Step 2 isn’t about perfect numbers.

Estimates are fine.
Round numbers are fine.
You can adjust later.

A plan needs direction, not precision.
#DebtFree #PersonalFinance

[ZilchWorks @ZilchWorks]

No subscriptions. Ever.
That’s intentional.

#DebtFree

[ZilchWorks @ZilchWorks]

Debt feels overwhelming when it’s scattered.

Different balances.
Different due dates.
Different statements.

Step 1 isn’t about fixing anything.
It’s about putting everything in one place.

Clarity starts there.
#DebtFree #PersonalFinance

[ZilchWorks @ZilchWorks]

Most people stay stressed about debt because they never see the full picture.

A complete payoff roadmap shows:
• What happens month by month
• Where the money goes
• When it actually ends

Clarity changes everything.

https://t.co/GX48Df3ql9
#DebtFree #PersonalFinance

[ZilchWorks @ZilchWorks]

Most money advice sounds good.

Very little of it has been tested for decades.

Longevity matters when people trust you with their future.

[ZilchWorks @ZilchWorks]

Too comfortable with debt?
Minimum payments feel safe, but they cost you thousands.
Read more 👉 https://t.co/oCUae8HOG9
#DebtFree #MoneyTips #ZilchWorks

[ZilchWorks @ZilchWorks]

🚨 FREE Debt Snowball Calculator🔥
Get out of debt today for free!
#debtfree #debtfreejourney #zilchworks
https://t.co/QuXDQ8scjT