RAYN: Calm Debt Tracker

RAYN: CALM DEBT TRACKER AND DEBT PAYOFF APP

Track credit cards, loans, student loans, and Buy Now Pay Later in one calm, private place.

RAYN is a private debt tracker built to help you pay off debt with clarity and confidence. See what you owe, choose a payoff plan, and make steady progress toward becoming debt free without pressure, guilt, or overwhelm.

No spreadsheets.
No shame.
Just clarity.

SEE YOUR DEBT FREE DATE

Add your debts and instantly see your projected debt free date and payoff timeline.

Track:

• Credit cards
• Personal loans
• Student loans
• Buy Now Pay Later

Every payment moves your debt free date closer. Use the built in What If calculator to see how extra payments can shorten your payoff time.

CHOOSE A DEBT PAYOFF STRATEGY

Use two proven payoff methods and switch anytime.

• Snowball method to build momentum with quick wins
• Avalanche method to minimise interest and total cost

Compare strategies side by side and choose what feels sustainable. Any progress counts.

TRACK PROGRESS AND STAY MOTIVATED

RAYN focuses on progress you can feel, not just numbers.

• Track payments and streaks
• Watch balances fall over time
• Earn milestones as debts are paid off
• See debts disappear one by one

Paid off debts move to the Debt Graveyard, a visual record of your progress.

PRIVATE AND OFFLINE BY DESIGN

Your financial data stays private.

• No accounts or sign ups
• No ads or tracking
• Works fully offline

All data is encrypted and stored locally on your device. Your finances are never shared. Optional iCloud backup is available.

DESIGNED TO REDUCE MONEY STRESS

RAYN does not feel like a typical finance or budgeting app.

• Calm colours and clean layouts
• Dark mode designed for comfort
• Smooth animations and subtle haptics
• Simple and approachable design

Every detail is designed to make debt tracking feel manageable, even on difficult days.

FEATURES

• Debt tracker for credit cards, loans, and BNPL
• Debt free date calculator and payoff timeline
• Snowball and Avalanche payoff comparison
• What If calculator for extra payments
• Student loan tracking including HECS and HELP
• BNPL tracking for Afterpay, Zip, Affirm, and more
• Payment reminders and flexible schedules
• Monthly progress summaries
• Debt milestones and payoff tracking
• Debt Graveyard for paid off debts
• Face ID and Touch ID security
• Offline tracking with no internet required
• Free to use with no ads or hidden costs

START YOUR JOURNEY

You do not need another finance app that makes you feel behind.

You need a calm debt payoff companion that shows progress is already happening, one payment at a time.

Download RAYN and start moving toward financial freedom.

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/