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.

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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.

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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. 

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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.

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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.

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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.

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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

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## 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/