# RAYN: Calm Debt Tracker — Calm your finances > Private, offline debt tracker with payoff strategies and progress visualization. (iPhone/iPad app by Verdant Labs Pty Ltd.) - Source: https://appshunter.io/ios/app/rayn-calm-debt-tracker/id6756639303 (this page in markdown: same URL + `.md`) - Developer: [Verdant Labs Pty Ltd](https://appshunter.io/developer/1862032093) - Category: Finance, Health & Fitness - Price: Free with in-app purchases - Rating: 1.00/5 from 1 App Store ratings · 4 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 48 MB - Languages: American English - Released: 2025-12-18 - Data updated: 2026-08-30 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/rayn-calm-debt-tracker/id6756639303/reviews.md ## What is RAYN? 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/ ## Key features - 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 ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | RAYN Pro (Annual) | $29.99 | per year | | RAYN Pro | $4.99 | per month | **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | RAYN Pro | $59.99 | one-time | ## Recent user reviews (4 of 4) All indexed reviews: https://appshunter.io/ios/app/rayn-calm-debt-tracker/id6756639303/reviews.md ### 5/5 — Great App *2026-01-31* Such an amazing resource and for free! I felt like I was drowning and was recommended this app and am so glad I took the advice and got it, it helped me look my debt in the eyes and see it in a non stressful way. It even helps me feel motivated to make payments on time which is something I previously struggled with. ### 5/5 — Loving it *2026-01-31* Personally I’m just loving that there’s a debt graveyard! ### 1/5 — Not Usable after 2nd Add *2026-01-27* 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. **Developer response:** 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 ### 5/5 — Great looking app but needs a critical change *2026-01-22* I’m really liking this app but one thing needs to be updated. When logging a payment, it should differentiate between the principal and the interest portion of the payment. That way it can only reduce your remaining balance only by the principle. So for a $1000 debt, my payment is $50 ($30 is interest and $20 is principle) the debt remaining will go down to $980, not $950. The interest portion doesn’t contribute to the pay down of the debt. Would also be nice to be able to edit or delete payments. *Edit - the developers fixed all the issues I raised. Really cool! All calculations are now great. Only thing I just noticed is that my next payment due date on the home page is showing the wrong amount of days. I think it’s showing the amount of days until my next payment day instead of the next debt payment. Those two days in my case don’t line up. Would be great to just see when the next payment is due. Great app! **Developer response:** Thanks for the thoughtful and detailed feedback - you’re absolutely right 👍 Following your feedback, we’ve already submitted an update to Apple that: - Correctly separates principal and interest so only principal reduces the balance - Adds the ability to edit or delete payments - Includes clearer payment history tracking The update is currently pending App Store approval. Once it’s live, we’d love for you to try it and let us know what you think. Feedback like this directly shapes RAYN, so thank you for taking the time to share it! ## Frequently asked questions about RAYN ### 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. ## Version history (last 5 releases) ### 1.0.8 — 2026-02-03 Bug fixes and enhancements. ### 1.0.7 — 2026-01-31 What’s New in 1.0.7 - Smarter Next Payment: see the true next debt due date at a glance - Clearer reminders with a new “Due today” badge - Bug fixes ### 1.0.6 — 2026-01-24 This update refreshes our App Store screenshots to better reflect the Rayn experience. No changes to the app itself. ### 1.0.5 — 2026-01-23 Bug fixes and improvements to calculation accuracy. ### 1.0.4 — 2026-01-20 - This update improves accuracy and gives you more control over your data. - Payments now correctly separate principal and interest, so only principal reduces your balance - You can now edit or delete payments if something changes or was entered incorrectly - Added clearer payment history tracking for better visibility - General refinements and bug fixes ## Apps similar to RAYN | App | Rating | Price | Category | | --- | --- | --- | --- | | [Debt Tracker: Manage Money](https://appshunter.io/ios/app/debt-tracker-manage-money/id6759051485) | — | Free | Finance | | [Debt Tracker App by UnDebt](https://appshunter.io/ios/app/debt-tracker-app-by-undebt/id6744000488) | 5.0 (4) | Free | Finance | | [NetWorthly - Net Worth Tracker](https://appshunter.io/ios/app/networthly-net-worth-tracker/id6740774160) | — | Free | Finance | | [Pocket Mint - Debt tracker](https://appshunter.io/ios/app/pocket-mint-debt-tracker/id1522683294) | — | Free | Finance | | [Subcut: Subscription Manager](https://appshunter.io/ios/app/subcut-subscription-manager/id6758765733) | 5.0 (16) | Free | Finance | | [Net Worth Tracker: Mintly](https://appshunter.io/ios/app/net-worth-tracker-mintly/id6737015950) | 3.0 (2) | Free | Finance | ## More apps by Verdant Labs Pty Ltd - [Quietly: Habit Tracker](https://appshunter.io/ios/app/quietly-habit-tracker/id6756919542) All apps by Verdant Labs Pty Ltd: https://appshunter.io/developer/1862032093 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-30.*