Most debt apps optimise for numbers. RAYN was built to optimise for how it feels to pay off debt over time. I built it after relying heavily on spreadsheets during my own debt payoff journey — they worked, but killed motivation. RAYN is calm, offline-first, and private: no accounts, no ads, no tracking, no bank connections. Track debts, see your debt-free date, compare snowball vs avalanche, and forecast progress with clarity, not shame.