RAYN: Calm Debt Tracker

About this app

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/

Bug fixes and enhancements.

Momentum comes from crawler snapshots for the tracked storefront. “Viral growth signal” means unusually fast recent rating gains; it is an indicator, not download data.

1. First observed Sep 5, 2026 · 1:08 PM Free