RAYN: Calm Debt Tracker – Private, offline debt tracking focused on user experience

Summary: RAYN is an offline, private debt tracker designed to improve the emotional experience of paying off debt. It avoids bank connections, ads, and tracking while allowing users to monitor debts, forecast progress, and compare payoff strategies.

What it does

RAYN lets users track debts, view their debt-free date, and compare snowball versus avalanche payoff methods without requiring accounts or internet access.

Who it's for

It is intended for individuals seeking a private, offline tool to manage debt without the pressure or distractions of typical finance apps.

Why it matters

RAYN addresses the lack of motivation and stress caused by conventional debt tools by providing a calm, focused tracking experience.