4% is an independent application studio building focused web and mobile products.
We work across two connected areas: practical business software, including integrations with platforms such as Xero, and simple consumer applications designed to solve everyday problems.
Two product disciplines, built with the same care for reliability, clarity and operational detail.
We build practical tools, workflow automations and API integrations that reduce manual work and help systems talk to each other. This includes accounting and finance-led products, Xero integrations, internal tools, client portals and back-office automation.
We design web and mobile applications for everyday use. From lifestyle tools to simple habit, household and productivity apps, our focus is on clean interfaces, reliable data and products that are easy to keep using.
Applications built by the studio may operate as their own brands, with 4% sitting quietly behind them. These brands are usually marked: a trading style of 4% Ltd.
4% was founded by Aks Kumar, who also founded Flyhigh Finance.
The studio grew from a simple observation: many business problems do not need more spreadsheets, workarounds or manual admin. They need small, well-built pieces of software that fit properly into the way people already work.
That practical background shapes how we build. We care about accuracy, process, data integrity and the details that make software reliable in the real world.
Whether we are building an accounting integration, a client-facing portal or a consumer app, the aim is the same: software that is useful, stable and easy to trust.
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