# 4Ducks: Budget, Bills & Goals — Know what's safe to spend > Ad-free personal finance tracker for bills, income, expenses, and savings. (iPhone/iPad app by TYGERTEC, LLC.) - Source: https://appshunter.io/ios/app/4ducks-budget-bills-and-goals/id1640102219 (this page in markdown: same URL + `.md`) - Developer: [TYGERTEC, LLC](https://appshunter.io/developer/1640102221) - Category: Finance, Lifestyle - Price: Free with in-app purchases - Rating: 5.00/5 from 3 App Store ratings - Age rating: 4+ - Requires: iOS 15.0 · 72 MB - Languages: American English, European Spanish - Released: 2022-10-11 - Data updated: 2026-08-26 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/4ducks-budget-bills-and-goals/id1640102219/reviews.md ## What is 4Ducks? 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. ## Key features - Bill and expense tracking - Income management - Savings goal setting - Payment reminders - Spending analytics - Privacy-focused local database ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Pro | $4.99 | per year | | Pro | $1.99 | per month | ## Frequently asked questions about 4Ducks ### Does 4Ducks have ads? No, 4Ducks is an ad-free application. The developers prioritize a clean user experience without advertisements interrupting your financial management. ### How much does 4Ducks cost? 4Ducks is free to download and use for its core budgeting features. There are optional Pro subscription plans available for enhanced functionality. ### What are the subscription options for 4Ducks? 4Ducks offers a Pro subscription at $1.99 per month or $4.99 per year, both with a 7-day free trial. These plans unlock additional features for users. ### Is 4Ducks safe to use? Yes, 4Ducks prioritizes user safety and privacy. It uses an encrypted local database and does not require linking to bank accounts or sensitive financial information. ### What devices does 4Ducks support? 4Ducks is available on iPhone, iPad, and iPod devices. It is designed for the iOS ecosystem. ### How often is 4Ducks updated? The latest version of 4Ducks was released on April 21, 2023. Updates are released periodically to improve functionality and address any issues. ### What do users like about 4Ducks? Users appreciate the app's ad-free nature, simple yet powerful analytics, and strong privacy features. The ability to track expenses and bills without bank linking is a key benefit. ### Can I track savings goals with 4Ducks? Yes, 4Ducks allows you to track your savings requirements and set personal goals. You can monitor how your income affects your savings and gain insights into your saving tendencies. ## Version history (last 5 releases) ### 3.1.24 — 2026-08-21 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 ### 3.1.23 — 2026-08-11 Bug fixes ### 3.1.22 — 2026-08-02 Resets now fully sign you out of Sync (including clearing your encryption key), and the app tells you up front when an inactive subscription is preventing backups. ### 3.1.18 — 2026-07-18 Improved layout on tablets ### 3.1.17 — 2026-07-14 Sync gets smarter about your account: signing back in on a removed device now reactivates it automatically, and your subscription is honored through the end of your paid period. ## Apps similar to 4Ducks | App | Rating | Price | Category | | --- | --- | --- | --- | | [PocketGuard・Budget Planner App](https://appshunter.io/ios/app/pocketguardbudget-planner-app/id949414211) | 4.6 (7,664) | Free | Finance | | [Bill Tracker Pro](https://appshunter.io/ios/app/bill-tracker-pro/id1059461492) | 4.6 (4,845) | Free | Finance | | [Budget Planner・Money Manager](https://appshunter.io/ios/app/budget-plannermoney-manager/id1477982881) | 4.7 (63) | Free | Finance | | [Checkbook Register & Ledger](https://appshunter.io/ios/app/checkbook-register-and-ledger/id1565109843) | 4.8 (128) | Free | Finance | | [EveryDollar: Budget Management](https://appshunter.io/ios/app/everydollar-budget-management/id942571931) | 4.7 (84,035) | Free | Finance | | [Buddy: Budget Planner App](https://appshunter.io/ios/app/buddy-budget-planner-app/id936422955) | 4.7 (9,387) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*