Rayma AI is a personal finance tracking tool — not a financial advisor. All information is for tracking purposes only. Terms · Privacy
Take Control of Your
Debt & Bills
Rayma AI tracks your loans, bills, budget, and net worth — all in one place. Your AI financial coach tells you exactly what to do next.
Everything you need to get out of debt
Built for real people managing real debt — not investors or finance pros.
Loan & Debt Tracker
Track every loan, see your balance drop, and know exactly when you'll be debt-free.
Bill Calendar
Never miss a payment. See every due date on a calendar and get alerts before they hit.
Net worth tracker
Connect your assets and liabilities to watch your net worth grow over time.
Rayma AI Advisor
Your personal AI financial coach — analyzes your data and gives actionable, specific advice.
Tax Summary
Auto-generated annual report with deductible categories. Export to CSV in one tap.
Bank-Level Security
Your data is encrypted in transit (TLS/HTTPS) and at rest. Access is restricted to your authenticated account only. You may delete your data at any time. While reasonable security measures are in place, no digital system can guarantee absolute security — you are responsible for maintaining the confidentiality of your login credentials.
Simple, honest pricing
No subscriptions. No hidden fees. Pay only for AI consultations you need.
Debt stress weighing on you? Take a break in the built-in Arcade — playing earns free AI coins.
Free Forever
$0
5 questions / week
Insert Coin (Instant Charge)
$2.99
One-time · 30 coins (10 questions)
Lithium
$4.99/mo
+100 coins (33 questions) every month. Coins carry over.
Generator
$9.99/mo
+200 coins (66 questions) every month + Gold Sponsor Badge.
Unlimited
$34.99/mo
Unlimited AI questions & scans. No coin counting.
Frequently Asked Questions
Start your debt-free journey today
Free to start. Takes 2 minutes. No bank login required.