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. Debt is stressful enough. Your debt app should not make it worse. RAYN is a private debt tracker designed to help you pay off debt with clarity and confidence. It helps you understand what you owe, plan payments, and make steady progress toward becoming debt free, without pressure or guilt. No spreadsheets. No shame. Just clarity. --- ## SEE YOUR DEBT FREE DATE Add your debts and RAYN instantly shows your projected debt free date. Track credit card debt, personal loans, student loans, and BNPL balances with a clear payoff timeline. Every payment moves your debt free date closer. Use the built in What If calculator to see how even small extra payments can shorten your payoff time. --- ## CHOOSE A DEBT PAYOFF STRATEGY RAYN supports two proven debt payoff methods with no judgment. - Snowball method to build momentum - Avalanche method to reduce interest Compare strategies side by side and switch anytime. Any progress counts. --- ## TRACK PROGRESS AND STAY MOTIVATED RAYN focuses on how paying off debt feels, not just the numbers. - Track payments and streaks - See balances fall over time - Earn milestones as debts are paid off - Watch 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 cloud sync - No ads or tracking - Works fully offline All data stays encrypted on your device. Your finances are never shared. --- ## DESIGNED TO REDUCE MONEY STRESS RAYN does not feel like a typical finance or budget app. - Calm colors 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. --- ## FEATURES Debt tracker for credit cards, loans, and BNPL Debt free date calculator 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 debt 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 freedom.