RAYN: Calm Debt Tracker

Name: RAYN: Calm Debt Tracker
Rating: 1 (1 reviews)
Author: Verdant Labs Pty Ltd

Calm your finances

Only for iPhone

Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.

1 Rating
Age Rating

9+
Years
Category

Finance
Developer

Verdant Labs Pty Ltd
Language

EN
English
Size

49.9
MB

iPhone

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/

Ratings & Reviews

1.0

out of 5

1 Ratings

Not Usable after 2nd Add
Jan 27
Clny9
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
Not Usable after 2nd Add
Jan 27
Clny9

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 Jan 31
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

Bug fixes and enhancements.

Version 1.0.8 Feb 3

Data Not Linked to You

The following data may be collected but it is not linked to your identity:
- Usage Data
- Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

Information

Seller: Verdant Labs Pty Ltd
Size: 49.9 MB
Category: Finance
Compatibility: Requires iOS 15.1 or later.

iPhone
Requires iOS 15.1 or later.

iPod touch
Requires iOS 15.1 or later.

Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.

Apple Vision
Requires visionOS 1.0 or later.
Languages: English
Age Rating: 9+

9+

Learn More

Contains
Health or Wellness Topics
In-App Purchases: Yes

RAYN Pro $59.99

RAYN Pro $4.99

RAYN Pro (Annual) $29.99

Learn More