4Ducks: Budget, Bills & Goals
Know what's safe to spend
Free
Now syncs across devices — encrypted and private to you. Built for bills that aren't monthly and a paycheck that changes. See what you can truly spend and save.
4Ducks helps you see exactly what you can spend and save — without ever connecting your bank.
Non-monthly bills, a paycheck that changes, savings goals you actually reach: 4Ducks turns the whole picture into one honest number you can plan around.
WHY 4DUCKS IS DIFFERENT
• No bank login, ever. Your data is never sold or shared, and stays on your device by default — private by design.
• Optional Sync across your devices — encrypted and private to you.
• Built for income that changes — freelance, gig, commission, tips, seasonal.
• Handles bills that aren't monthly — annual, semi-annual, quarterly — set aside a little each month so the big ones never blindside you.
• Calm, not gamified. No streaks, no guilt, no confetti — just clarity.
GET YOUR DUCKS IN A ROW
● Know what you make and spend — a clear monthly number drawn from a pile of due dates.
● Always be saving — see what you can sustainably set aside every month.
● Toward freedom — pay down debt and pay your bills on time.
● Never miss a due date — timely reminders for what's coming before payday.
HOW IT WORKS
1. Add your bills — even the ones that aren't monthly. Annual, quarterly, every few years: 4Ducks sets aside a little each month so the big ones never land as a surprise.
2. Add your income — steady or uneven. 4Ducks plans around what you actually make, so a lighter month doesn't catch you off guard.
3. See what's yours to spend. From all those due dates, 4Ducks gives you a single monthly figure — what's safe to spend, and what you can set aside.
4. Aim at what matters. Set a savings goal and get a realistic date you'll reach it; pay down debt and watch a real debt-free date arrive.
5. Stay ahead. Timely reminders show what's coming before payday — no missed dates, no late fees.
That's the 4Ducks way: clear, calm, private, and yours.
FEATURES
• Track bills and expenses by category and due date
• Optional cross-device Sync — encrypted and private to you
• Smart due-date reminders
• Savings goals with a realistic "afford-by" date
• Plan for non-monthly bills automatically
• See what's due before your next paycheck
• English and Spanish
• Ad-free
Your data is yours: private, never sold, and never shared — and no bank login, ever. Everything stays on your device by default; you don't even need an account to get started.
Ratings & Reviews
- This app has not received enough ratings or reviews to display an overview.
New Features:
- Export a budget as a Markdown report — hand it to a spreadsheet or an AI
- Irregular income now shows where your safe-to-spend floor came from, instead of a made-up payday
The developer, TYGERTEC, LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Provider
- TYGERTEC, LLC
- Size
- 75.5 MB
- Category
- Finance
- Compatibility
Requires iOS 15.0 or later.
- iPhone
Requires iOS 15.0 or later. - iPad
Requires iPadOS 15.0 or later. - iPod touch
Requires iOS 15.0 or later. - Mac
Requires macOS 12.0 or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English and Spanish
- Age Rating
4+
- 4+
- Copyright
- © 2022 TYGERTEC, LLC