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RAYN: Calm Debt Tracker

RAYN: Calm Debt Tracker

Calm your finances

1 ratings
1 review
💪 Health & Fitness
💰 Finance
Free
In-App Purchases

Details

  • Released
  • Updated
  • December 18, 2025
  • February 3, 2026

Features

Developer

Verdant Labs Pty Ltd
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RAYN: Calm Debt Tracker screenshot #1 for iPhone
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🧾$4.99 - $59.99
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About

Track various debts like credit cards and loans in a private, offline environment. Visualize your debt-free date, explore payoff strategies, and monitor progress with motivational features designed to reduce financial stress.

✓Track credit cards, loans, and BNPL
✓Projected debt-free date calculator
✓Snowball and Avalanche payoff methods
✓What If calculator for extra payments
✓Offline tracking with no sign-up
✓Motivational progress tracking and milestones
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What's New in RAYN

1.0.8

February 3, 2026

Bug fixes and enhancements.

Subscription plans

RAYN Pro (Annual)

Best value. Unlimited debts, What-If scenarios and more

$29.991 Year
How to cancel RAYN subscription ⁉️
3

In-App Purchases

$59.99

RAYN Pro

Pay once for unlimited access to all Pro features.

User reviews

Most RecentHighest RatedLowest Rated

Not Usable after 2nd Add

After you add a 2nd debt account the app is not usable as it will just duplicate what you added.

This makes the app not usable.
Clny9Clny9

Response from developer

Thank you for taking the time to report this issue. You're right – there was a bug that caused debts to duplicate when adding a second account, and we sincerely apologise for the frustration this caused. We've identified and fixed the root cause in version 1.0.8, which will be available for download shortly. The app will no longer duplicate entries when adding multiple debts. We'd love for you to give RAYN another try. If you experience any other issues, please reach out to us directly at admin@verdantlabs.com.au – we're a small team and genuinely want to help you on your debt-free journey. Thank you for helping us improve RAYN. - The RAYN Team

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FAQ

What types of debt can I track with RAYN?

RAYN allows you to track credit cards, personal loans, student loans, and Buy Now Pay Later (BNPL) services like Afterpay and Zip. This comprehensive tracking helps you see all your obligations in one place.

Does RAYN require an internet connection to work?

No, RAYN is designed to work fully offline. All your financial data is encrypted and stored locally on your device, ensuring privacy and accessibility without needing an internet connection.

What debt payoff strategies does RAYN offer?

RAYN supports two proven debt payoff strategies: the Snowball method, which focuses on quick wins to build momentum, and the Avalanche method, which aims to minimize total interest paid. You can compare these strategies and choose the one that best suits your financial situation.

How does RAYN help users stay motivated?

RAYN focuses on tangible progress by allowing you to track payments, view falling balances, earn milestones as debts are paid off, and see debts disappear into the 'Debt Graveyard.' This visual feedback is designed to keep users engaged and motivated on their journey to becoming debt-free.

Is my financial data secure with RAYN?

Yes, security and privacy are core to RAYN's design. It requires no accounts or sign-ups, operates offline, and encrypts all data stored locally on your device. Optional iCloud backup is available for added convenience.

What are the subscription options for RAYN Pro?

RAYN offers a freemium model. For advanced features and enhanced capabilities, users can opt for RAYN Pro, available as a monthly subscription for $4.99 or an annual subscription for $29.99.

How often is RAYN updated?

RAYN was last updated on February 3, 2026, indicating a commitment to ongoing development and improvements. The latest version is 1.0.8.

Does RAYN have ads?

No, RAYN is free to use with no ads or hidden costs. The app is designed to provide a calm and focused experience without advertisements or tracking.