Debt Manager Professional
Debt Manager Professional is Windows software for counselors, coaches, agencies, and educators preparing branded payoff plans for client debt cases.
What Debt Manager Professional is
Debt Manager Professional is Windows software for counselors, coaches, agencies, and educators preparing branded payoff plans for client debt cases. Enter creditor names, APRs, balances, monthly payments, a payoff strategy, a start month, and extra pledge money. The software creates a payoff summary and month-by-month payment schedule, including a comparison between regular and accelerated payoff results. Extra pledge money is applied to the current priority debt, while payments from paid-off debts roll forward to the next debt. Reports can carry customized headers, footer lines, and presentation details for an organization or coaching practice. The evaluation copy supports entering and analyzing client data, but saving and printing are disabled. A Quick Start Guide and linked Help menu explain plan creation. The product costs $295.95, paid once, with a 30-day refund period.
Good
- Creates month-by-month payment schedules
- Compares regular and accelerated payoff results
- Applies pledge money to priority debt
- Customizes report branding
- Includes a 30-day refund period
Watch out
- No free plan
- Evaluation copy disables saving and printing
- Windows only
- Additional licensing needed for multiple counselors
Who it suits
It suits counselors, coaches, agencies, and educators who prepare branded client debt plans on Windows. The workspace supports creditor and balance tracking with payoff strategy comparisons.
Verdict
Debt Manager Professional focuses on structured client payoff planning, reporting, and branding. Its one-time license and evaluation period suit solo professionals, while teams need additional licenses.
Plans and prices
From Debt Manager Professional's own pricing page, checked 4 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Debt Manager Professional | $295.95, paid once | Requires Microsoft Windows · Licensed user may install on work computer and laptop if only they use both · Additional licensing for multiple counselors · One-time purchase. No subscription. |
The facts
Each one read from Debt Manager Professional's own pages, with the date it was checked.
What it does
- Debt inputs
- Users enter creditor names, APRs, current balances, monthly payments, payoff strategy, start month, and pledge money.checked 4 Oct 2026
- Evaluation copy
- The evaluation copy allows users to enter and analyze client data, but saving and printing are disabled.checked 4 Oct 2026
- Integrations
- The maker's product page describes entering client debt data and generating reports but states no third-party integrations.checked 4 Oct 2026
- License limit
- One licensed user may install the software on a work computer and laptop if they are the only person using both installations; multiple counselors need additional licensing.checked 4 Oct 2026
- Payoff reports
- The software generates a payoff summary and a month-by-month payment schedule.checked 4 Oct 2026
- Pledge money
- Extra monthly pledge money is applied to the current priority debt, and paid-off debt payments roll forward to the next debt.checked 4 Oct 2026
- Privacy and security
- ZilchWorks says it uses reasonable security measures and does not directly handle or store sensitive payment information, which is handled by its merchant-of-record partner.checked 4 Oct 2026
- Purpose
- Debt Manager Professional helps counselors, coaches, agencies, and educators create branded payoff plans for client debt cases.checked 4 Oct 2026
- Report branding
- Users can customize report headers, footer lines, and presentation details for their organization or coaching practice.checked 4 Oct 2026
- Strategy comparison
- The payoff summary compares regular payoff results with an accelerated plan.checked 4 Oct 2026
- Support
- A Quick Start Guide walks users through creating a client plan, and the product includes a Help menu link back to the guide.checked 4 Oct 2026
The company
- Founded
- 1991checked 28 Sep 2026
Money
- Trial and guarantee
- The maker offers an evaluation copy and a 30-day period for trying the product, with a 100% refund if requested within 30 days of purchase.checked 4 Oct 2026
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