--- title: "RAYN: Calm Debt Tracker - Reviews, Revenue and Downloads in Lithuania | Apple App Store" description: "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 " --- # RAYN: Calm Debt Tracker — Lithuania > Calm your finances ![RAYN App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/31/17/5e/31175e4b-8634-861d-eec1-f636aebb55a8/AppIcon-0-0-1x_U007ephone-0-1-85-220.png/434x0w.png) **Developer:** [Verdant Labs Pty](https://apptail.io/developer/verdant-labs-pty-ykNcub) **Category:** Finance **Rating:** N/A (0 ratings) **Price:** Free **Bundle ID:** com.rayn.app **Store:** Apple App Store **Country:** Lithuania **Version:** 1.0.8 (released 2026-02-03) **Original Release:** 2025-12-18 **Languages:** English **App Store Link:** [Download on Apple App Store](https://apps.apple.com/lt/app/app/id6756639303) **AppTail Page:** [https://apptail.io/app/rayn-calm-debt-tracker-rbry/lithuania](https://apptail.io/app/rayn-calm-debt-tracker-rbry/lithuania) ## RAYN Description 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: ## RAYN Screenshots - [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/43/5d/b8/435db84a-ee52-a59f-0131-9aba82d3c4a5/1.png/1242x2688.png) - [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/70/60/aa/7060aa79-017e-37b9-a40f-f9908db5a4bf/2.png/1242x2688.png) - [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/b4/ec/4b/b4ec4b04-47da-c5d1-aad7-2766b391c692/3.png/1242x2688.png) - [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/6e/b1/f3/6eb1f310-4dd2-1c06-a48a-67719501adbc/4.png/1242x2688.png) - [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/2c/77/7e/2c777e49-1728-d440-78c7-331dd1f387ac/8.png/1242x2688.png) - [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/cd/bb/b6/cdbbb683-39a4-ad85-e630-b75137dc3949/5.png/1242x2688.png) - [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/99/38/ee/9938eec4-b609-057d-1072-941e045dbbbe/9.png/1242x2688.png) - [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/f7/97/9f/f7979fef-2772-b148-3a11-89f9ac646712/6.png/1242x2688.png) - [Screenshot 9](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/cf/ac/3b/cfac3b52-2f04-0704-c842-e75c47668435/7.png/1242x2688.png) ## RAYN In-App Purchases | Item | Price | |------|-------| | RAYN Pro | €5.99 | | RAYN Pro (Annual) | €34.99 | ## RAYN Available In - [Canada](https://apptail.io/app/rayn-calm-debt-tracker-rbry/canada) - [Switzerland](https://apptail.io/app/rayn-calm-debt-tracker-rbry/switzerland) - [Ecuador](https://apptail.io/app/rayn-calm-debt-tracker-rbry/ecuador) - [Egypt](https://apptail.io/app/rayn-calm-debt-tracker-rbry/egypt) - [Kenya](https://apptail.io/app/rayn-calm-debt-tracker-rbry/kenya) - [Lithuania](https://apptail.io/app/rayn-calm-debt-tracker-rbry/lithuania) - [Ukraine](https://apptail.io/app/rayn-calm-debt-tracker-rbry/ukraine) --- ## About AppTail [AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. Track your app's performance, discover ranking keywords, monitor competitors, and analyze market trends. - [Search Apps](https://apptail.io) - [Top Charts](https://apptail.io/top-iphone-apps) - [Sign Up for Full Access](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=footer) *Data provided by [AppTail](https://apptail.io) - Mobile App Intelligence Platform*