RAYN: Calm Debt Tracker

Track debt with clarity, not shame. 100% private & offline.

2 followers

Track debt with clarity, not shame. 100% private & offline.

2 followers

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Budgeting apps

•

Financial planning

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.

Free

Launch tags:Fintech•Privacy•Personal Finance

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Maker

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Hey everyone - I’m Jacob, the indie dev behind RAYN. I started building RAYN during my own debt payoff journey. I was using spreadsheets, and while they worked, they made the process feel like homework and slowly drained motivation. Most finance apps I tried felt similar - lots of pressure, loud visuals, or required bank connections I didn’t want. RAYN is my attempt to build something calmer: fully offline, no accounts, no ads, no tracking, and designed to reduce money stress while still showing real progress. I’d genuinely love feedback - what feels useful, what feels unnecessary, and what you’d expect from a debt tracker like this. If you have questions about how anything works (or why I chose not to include certain features), I’m happy to answer. Thanks for checking it out!

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7mo ago

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