4Ducks: Budget, Bills & Goals

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. A budget, bill tracker, expense tracker, and money manager that respects your privacy.

Recent changes:
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.