Verba: AI Captions Reels Maker
Teleprompter, Video Editor
How much does Verba: AI Captions Reels Maker cost?
Prices are current as of 28 Sept 2026.
7 subscriptions from $5.99
In the United States, Verba: AI Captions Reels Maker has 7 subscriptions priced $5.99 – 49.99. It comes with a 3 days free trial.
| Subscription | Period | Price |
|---|---|---|
| Verba Premium (Weekly) | WeeklyTrial: 3 days | $5.99 |
| Verba Premium (Monthly) | MonthlyTrial: 3 days | $7.99 |
| Verba Pro (Weekly) | WeeklyTrial: 3 days | $9.99 |
| Verba Pro (Monthly) | MonthlyTrial: 3 days | $19.99 |
| Verba Premium (Annual) | AnnualTrial: 3 days | $49.99 |
| Verba Pro (6 Month) | 6 monthsTrial: 3 days | $49.99 |
| Verba Pro (Yearly) | AnnualTrial: 3 days | $49.99 |
See what Verba: AI Captions Reels Maker costs in all 172 countries →
10+ alternatives to Verba: AI Captions Reels Maker
| Verba: AI Captions Reels Maker |   VEED Lite: Quick Video Edits |   Vozo AI Video Translator & Dub |   Captions for Videos - SubMe AI |   Unreels: AI Reel Video Editor |   MixCaptions: Video Captions |   Auto Captions: Video Subtitles |   AI Captions for Videos: VidCap |   Liro: AI Video Caption Editor |   Subcap: Captions AI, Subtitles |   Captions AI for Videos - Dubs | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Rating / 5 | 4.9 | 4.8 | 4.8 | 4.7 | 4.7 | 4.6 | 4.6 | 4.6 | 4.7 | 4.6 | 4.5 |
| Reviews | 16K | 81K | 27K | 20K | 16K | 13K | 9.4K | 9.4K | 8.9K | 7.7K | 7.3K |
| Released | 2024 | 2022 | 2023 | 2022 | 2023 | 2019 | 2013 | 2022 | 2021 | 2021 | 2023 |
| Weekly price | $9.99 | $2.99 | — | $2.99 | $9.99 | — | — | $3.99 | $3.99 | $7.99 | $6.99 |
| Monthly price | $7.99 | $7.99 | $9.99 | $6.99 | $12.99 | $9.99 | — | $4.99 | $8.99 | $7.99 | $8.99 |
| Annual price | $49.99 | $35.99 | $47.99 | $29.99 | $49.99 | $3.99 | $29.99 | $39.99 | $29.99 | $47.99 | $59.99 |
| One-time price | — | — | $24.99 | $14.99 | $59.99 | $2.99 | — | — | — | — | $14.99 |
The going rate for each plan in United States, in its own currency, shaded from the cheapest price on the row to the dearest. Plans fewer than four in ten of the priced apps sell are left out.
Verba: AI Captions Reels Maker reviews
4.9 out of 5, based on 15,648 reviews.
What people like
- Intuitive and fast interface
- Easy to use tools
- Good punctuation and graphic accentuation
What they complain about
- Annoying advertisements
- Poor audio correction quality
- Slow export times and freezing issues
- Inability to edit the generated text
- Unexpected subscription charges and poor customer support
Surpreendente
Simples, prático e gostei muito do pontuação e acentuação gráfica.
Cobrança indevida!
Tinha uma mensagem para testar o app e ter acesso a 1 mês grátis e hoje fui olhar na minha fatura e está lá 149,90! Um absurdo!! Sendo que eu me cadastrei ONTEM e hoje eles cobraram! Quero o estorno e não tem NENHUM CANAL que eles respondem!
É quase perfeito
É excelente, mas o corretor de som é ruim. Parece que a voz fica dentro de uma garrafa. Deveria ter o recurso de escolher a porcentagem do efeito, igual no edits.
Cuts sentences without reason
Maybe this is just not for talking head videos. But the AI cut just cuts words in a way that makes the result utterly useless. The content is not preserved. It does not focus on silences or filler words, but cuts actual content. Useless for me as a c content creator.
Loads so much
It allay takes so long to export and I had pro but it stopped working Fix this pls I already sent a email and no response
INCRÍVEL
Nota milllll👏🏼✨
Don’t buy it!!!
Funktioniert nicht! Absolut nutzlos wenn man von einer Sprache in die andere übersetzten möchte. Also gesprochen Deutsch und Untertitel Englisch. Zudem keine Rückmeldung vom Support. Also Service und App 6-
Gut und leicht bedienbar
Die App ist sehr gut und einfach zu bedienen. Die Werbung nervt manchmal, aber dafür, dass es kostenlos ist, kann man das ja in Kauf nehmen. Im Großen und Ganzen bin ich sehr zufrieden!
Yanlış çeviri
Türkçe altyazıları yanlış çeviri yapıyor çoğunu kendim düzeltiyorum 👎
Maravilhoso!
Aplicativo PERFEITOOOOO!
absurd
Ich habe das Abonnement abgeschlossen und 3,99€ bezahlt. Ich wollte ein 50minütiges Video übersetzen, aber es hat nicht funktioniert. Dann habe ich es mit einem 9-minütigen Video versucht, aber auch das hat nicht funktioniert! Was ist die Lösung? Soll ich jede Woche 4€ bezahlen, nur um ein 5minütiges oder 2minütiges Video zu übersetzen?! Das ist absurd. Ich habe bereits bei Apple eine Rückerstattung beantragt.
Não traduz corretamente
Não legenda corretamente
Eu tava adorando
Parou de legendar do nada
Problema para salvar
App parece ótimo mas simplesmente não consigo salvar o vídeo depois de por a legenda. Arrumem por favor
Maior autonomia
O app aparentemente é bom mas não consegui sequer editar o primeiro vídeo, já que não existe a possibilidade de você editar o texto. O que eu quero dizer é que, o texto que o app captar, é o que vai ficar na legenda, e embora você possa mudar fontes, estilo e etc, seu texto fica com palavras não ditas ou frases incompletas pois não tem como mexer na leva da que foi captada inicialmente, se não mudar isso vai ficar impossível de usar e ter popularidade!
Muito simples e fica lindo!
Adorei a facilidade das ferramentas!
Deutsch geht nicht
Untertitelung im Auftrag des zdf 2017 - keine Ahnung was das soll - aber die App geht nicht
Ótimo
Bem intuitivo e rapido
Não consegui fazer nem o primeiro vídeo
Nem consegui usar. Tentei 4 vezes, e sempre que o app terminava de processar as legendas, ele fechava sozinho e eu tinha que começar tudo de novo.
Verba: AI Captions Reels Maker price by country
A weekly subscription costs $2.66 in Turkey and $13.21 in the United Kingdom — 5× more for the same thing. Below is the going rate for each plan in every country that sells it — the middle price of what the app charges there, in the country's own currency with the dollar equivalent beneath it.
| Country | Weekly | Monthly | 6 months | Annual |
|---|---|---|---|---|
| Albania | $9.99 | $19.99 | $49.99 | $29.99 |
| Algeria | $9.99 | $19.99 | $49.99 | $49.99 |
| Angola | $9.99 | $3.99 | $49.99 | $49.99 |
| Anguilla | $9.99 | $19.99 | $49.99 | $49.99 |
| Antigua And Barbuda | $9.99 | $19.99 | $49.99 | $49.99 |
| Argentina | $2.99 | $3.99 | — | $29.99 |
| Australia | A$4.99$3.49 | A$6.99$4.89 | A$79.99$55.94 | A$39.99$27.97 |
| Austria | €2.99$3.47 | €4.99$5.79 | — | €29.99$34.79 |
| Azerbaijan | $2.99 | $3.99 | $59.99 | $59.99 |
| Bahamas | $9.99 | $19.99 | $49.99 | $29.99 |
| Bahrain | $9.99 | $19.99 | $49.99 | $29.99 |
| Barbados | $11.99 | $22.99 | $59.99 | $59.99 |
| Belarus | $11.99 | $19.99 | $59.99 | $29.99 |
| Belgium | €2.99$3.41 | €3.99$4.54 | €49.99$56.94 | €29.99$34.16 |
| Belize | $9.99 | $19.99 | $49.99 | $49.99 |
| Benin | $11.99 | $22.99 | $59.99 | $59.99 |
| Bermuda | $9.99 | $19.99 | $49.99 | $49.99 |
| Bhutan | $9.99 | $19.99 | $49.99 | $49.99 |
| Bolivia | $9.99 | $19.99 | $49.99 | $49.99 |
| Bosnia & Herzegovina | €9.99$11.38 | €3.99$4.54 | €59.99$68.33 | €29.99$34.16 |
| Botswana | $9.99 | $19.99 | $49.99 | $29.99 |
| Brazil | R$14.90$2.92 | R$19.90$3.89 | — | R$149.90$29.33 |
| British Virgin Islands | $9.99 | $19.99 | $49.99 | $49.99 |
| Brunei Darussalam | $9.99 | $19.99 | $49.99 | $49.99 |
| Bulgaria | €3.49$3.97 | €4.49$5.11 | — | €49.99$56.94 |
| Burkina Faso | $9.99 | $19.99 | $49.99 | $49.99 |
| Cambodia | $9.99 | $19.99 | $49.99 | $29.99 |
| Cameroon | $11.99 | $22.99 | $49.99 | $29.99 |
| Canada | CA$5.99$4.25 | CA$6.99$4.96 | CA$69.99$49.64 | CA$49.99$35.45 |
| Cape Verde | $9.99 | $19.99 | $49.99 | $49.99 |
| Cayman Islands | $9.99 | $19.99 | $49.99 | $49.99 |
| Chad | $9.99 | $19.99 | $49.99 | $49.99 |
| Chile | CLP 2,990$3.11 | CLP 4,990$5.19 | CLP 59,990$62.34 | CLP 29,990$31.17 |
| China | CN¥68.00$10.12 | CN¥148.00$22.02 | CN¥328.00$48.81 | CN¥198.00$29.46 |
| Colombia | COP 14,900$4.47 | COP 19,900$5.97 | COP 229,900$68.95 | COP 149,900$44.96 |
| Congo | $9.99 | $19.99 | $49.99 | $49.99 |
| Congo, Democratic Republic | $9.99 | $19.99 | $49.99 | $29.99 |
| Costa Rica | $9.99 | $19.99 | $49.99 | $29.99 |
| Cote Divoire | $2.99 | $22.99 | $59.99 | $29.99 |
| Croatia | €2.99$3.41 | €3.99$4.54 | — | €59.99$68.33 |
| Cyprus | €2.99$3.41 | €3.99$4.54 | — | €59.99$68.33 |
| Czech Republic | CZK 79.00$3.69 | CZK 99.00$4.63 | — | CZK 799.00$37.34 |
| Denmark | DKK 39.00$5.95 | DKK 39.00$5.95 | DKK 399.00$60.82 | DKK 249.00$37.96 |
| Dominica | $9.99 | $19.99 | $49.99 | $49.99 |
| Dominican Republic | $2.99 | $3.99 | — | $29.99 |
| Ecuador | $2.99 | $19.99 | $49.99 | $29.99 |
| Egypt | EGP 499.99$9.66 | EGP 199.99$3.87 | — | EGP 2,499.99$48.32 |
| El Salvador | $9.99 | $19.99 | $49.99 | $49.99 |
| Estonia | €2.99$3.41 | €3.99$4.54 | €49.99$56.94 | €29.99$34.16 |
| Fiji | $9.99 | $19.99 | $49.99 | $49.99 |
| Finland | €2.99$3.41 | €3.99$4.54 | €49.99$56.94 | €29.99$34.16 |
| France | €2.99$3.41 | €3.99$4.54 | €49.99$56.94 | €29.99$34.16 |
| Gabon | $9.99 | $19.99 | $49.99 | $49.99 |
| Gambia | $9.99 | $19.99 | $49.99 | $49.99 |
| Georgia | $2.99 | $4.99 | $49.99 | $29.99 |
| Germany | €2.99$3.41 | €4.99$5.68 | €49.99$56.94 | €29.99$34.16 |
| Ghana | $2.99 | $4.99 | $49.99 | $29.99 |
| Greece | €2.99$3.41 | €3.99$4.54 | — | €59.99$68.33 |
| Grenada | $9.99 | $19.99 | $49.99 | $49.99 |
| Guatemala | $9.99 | $19.99 | $49.99 | $49.99 |
| Guinea-bissau | $9.99 | $19.99 | $49.99 | $49.99 |
| Guyana | $9.99 | $19.99 | $49.99 | $49.99 |
| Honduras | $9.99 | $19.99 | $49.99 | $49.99 |
| Hong Kong | HK$88.00$11.22 | HK$148.00$18.88 | HK$388.00$49.49 | HK$388.00$49.49 |
| Hungary | HUF 1,490$4.64 | HUF 1,790$5.58 | — | HUF 12,990$40.48 |
| Iceland | $2.99 | $4.99 | $49.99 | $29.99 |
| India | ₹799.00$8.33 | ₹399.00$4.16 | — | ₹3,999.00$41.69 |
| Indonesia | IDR 49,000$2.73 | IDR 69,000$3.85 | — | IDR 799,000$44.58 |
| Iraq | $9.99 | $19.99 | $49.99 | $29.99 |
| Ireland | €9.99$11.38 | €3.99$4.54 | — | €29.99$34.16 |
| Israel | ₪9.90$3.25 | ₪14.90$4.89 | — | ₪99.90$32.75 |
| Italy | €2.99$3.41 | €3.99$4.54 | €49.99$56.94 | €29.99$34.16 |
| Jamaica | $9.99 | $3.99 | $49.99 | $29.99 |
| Japan | ¥500$3.17 | ¥600$3.81 | ¥8,000$50.80 | ¥4,500$28.57 |
| Jordan | $2.99 | $3.99 | $49.99 | $49.99 |
| Kazakhstan | KZT 1,490.00$3.21 | KZT 1,990.00$4.29 | KZT 29,990.00$64.62 | KZT 14,990.00$32.30 |
| Kenya | $11.99 | $4.99 | $59.99 | $29.99 |
| Kosovo | €9.99$11.38 | €22.99$26.18 | €59.99$68.33 | €59.99$68.33 |
| Kuwait | $9.99 | $19.99 | $49.99 | $29.99 |
| Kyrgyzstan | $2.99 | $4.99 | $49.99 | $29.99 |
| Lao Peoples Democratic Republic | $9.99 | $19.99 | $49.99 | $49.99 |
| Latvia | €2.99$3.47 | €3.99$4.63 | €49.99$57.99 | €29.99$34.79 |
| Lebanon | $9.99 | $19.99 | $49.99 | $29.99 |
| Liberia | $9.99 | $19.99 | $49.99 | $29.99 |
| Libya | $9.99 | $19.99 | $49.99 | $49.99 |
| Lithuania | €2.99$3.41 | €3.99$4.54 | — | €29.99$34.16 |
| Luxembourg | €2.99$3.41 | €3.99$4.54 | €49.99$56.94 | €29.99$34.16 |
| Macao | $9.99 | $19.99 | $49.99 | $49.99 |
| Macedonia | $9.99 | $19.99 | $49.99 | $49.99 |
| Madagascar | $9.99 | $19.99 | $49.99 | $49.99 |
| Malawi | $9.99 | $19.99 | $49.99 | $49.99 |
| Malaysia | MYR 49.90$12.26 | MYR 99.90$24.55 | — | MYR 129.90$31.92 |
| Maldives | $9.99 | $19.99 | $49.99 | $49.99 |
| Mali | $9.99 | $19.99 | $49.99 | $49.99 |
| Malta | €9.99$11.59 | €19.99$23.19 | €49.99$57.99 | €29.99$34.79 |
| Mauritania | $9.99 | $19.99 | $49.99 | $49.99 |
| Mauritius | $9.99 | $22.99 | $59.99 | — |
| Mexico | MX$69.00$3.89 | MX$89.00$5.02 | — | MX$599.00$33.77 |
| Micronesia | $9.99 | $19.99 | $49.99 | $49.99 |
| Moldova | $2.99 | $4.99 | $59.99 | $29.99 |
| Mongolia | $9.99 | $19.99 | $49.99 | $49.99 |
| Montenegro | €2.99$3.41 | €19.99$22.77 | €49.99$56.94 | €29.99$34.16 |
| Montserrat | $9.99 | $19.99 | $49.99 | $49.99 |
| Morocco | $9.99 | $19.99 | $49.99 | $29.99 |
| Mozambique | $9.99 | $19.99 | $49.99 | $29.99 |
| Myanmar | $9.99 | $19.99 | $49.99 | $49.99 |
| Namibia | $9.99 | $19.99 | $49.99 | $29.99 |
| Nauru | $9.99 | $19.99 | $49.99 | $49.99 |
| Nepal | $9.99 | $22.99 | $49.99 | $59.99 |
| Netherlands | €9.99$11.38 | €3.99$4.54 | €49.99$56.94 | €29.99$34.16 |
| New Zealand | NZ$19.99$11.83 | NZ$39.99$23.66 | NZ$99.99$59.17 | NZ$49.99$29.58 |
| Nicaragua | $9.99 | $19.99 | $49.99 | $49.99 |
| Niger | $9.99 | $19.99 | $49.99 | $49.99 |
| Nigeria | NGN 4,900.00$3.69 | NGN 6,900.00$5.20 | — | NGN 49,900.00$37.60 |
| Norway | NOK 39.00$4.17 | NOK 49.00$5.24 | — | NOK 599.00$64.00 |
| Oman | $9.99 | $19.99 | $49.99 | $29.99 |
| Pakistan | PKR 900$3.25 | PKR 1,100$3.97 | — | PKR 7,900$28.53 |
| Palau | $9.99 | $19.99 | $49.99 | $49.99 |
| Panama | $9.99 | $19.99 | $49.99 | $29.99 |
| Papua New Guinea | $9.99 | $19.99 | $49.99 | $29.99 |
| Paraguay | $9.99 | $19.99 | $49.99 | $49.99 |
| Peru | PEN 12.90$3.84 | PEN 14.90$4.43 | PEN 229.90$68.42 | PEN 119.90$35.68 |
| Philippines | ₱599.00$9.59 | ₱199.00$3.19 | — | ₱2,990.00$47.88 |
| Poland | PLN 14.99$3.90 | PLN 19.99$5.21 | — | PLN 149.99$39.06 |
| Portugal | €2.99$3.41 | €3.99$4.54 | — | €29.99$34.16 |
| Qatar | QAR 9.99$2.74 | QAR 69.99$19.23 | QAR 199.99$54.94 | QAR 99.99$27.47 |
| Romania | RON 49.99$10.80 | RON 19.99$4.32 | — | RON 149.99$32.40 |
| Rwanda | $9.99 | $19.99 | $49.99 | $49.99 |
| Sao Tome & Principe | $9.99 | $19.99 | $49.99 | $49.99 |
| Saudi Arabia | SAR 12.99$3.46 | SAR 17.99$4.80 | SAR 199.99$53.33 | SAR 129.99$34.66 |
| Senegal | $11.99 | $22.99 | $49.99 | $59.99 |
| Serbia | €2.99$3.47 | €3.99$4.63 | €49.99$58.06 | €29.99$34.83 |
| Seychelles | $9.99 | $19.99 | $49.99 | $49.99 |
| Sierra Leone | $9.99 | $19.99 | $49.99 | $49.99 |
| Singapore | SGD 14.98$11.70 | SGD 29.98$23.42 | SGD 69.98$54.67 | SGD 39.98$31.23 |
| Slovakia | €2.99$3.47 | €3.99$4.63 | — | €29.99$34.83 |
| Slovenia | €9.99$11.38 | €3.99$4.54 | €49.99$56.94 | €29.99$34.16 |
| Solomon Islands | $9.99 | $19.99 | $49.99 | $49.99 |
| South Africa | ZAR 199.99$12.25 | ZAR 79.99$4.90 | — | ZAR 999.99$61.27 |
| South Korea | ₩4,400$3.24 | ₩5,500$4.06 | ₩77,000$56.78 | ₩44,000$32.45 |
| Spain | €2.99$3.41 | €3.99$4.54 | €49.99$56.94 | €29.99$34.16 |
| Sri Lanka | $9.99 | $19.99 | $49.99 | $29.99 |
| St. Kitts and Nevis | $9.99 | $19.99 | $49.99 | $49.99 |
| St. Lucia | $9.99 | $19.99 | $49.99 | $29.99 |
| St. Vincent & The Grenadines | $9.99 | $19.99 | $49.99 | $49.99 |
| Suriname | $9.99 | $19.99 | $49.99 | $49.99 |
| Swaziland | $9.99 | $19.99 | $49.99 | $49.99 |
| Sweden | SEK 39.00$3.93 | SEK 49.00$4.94 | SEK 599.00$60.38 | SEK 399.00$40.22 |
| Switzerland | CHF 3.00$3.62 | CHF 4.00$4.83 | CHF 40.00$48.25 | CHF 30.00$36.19 |
| Taiwan | NT$320.00$10.07 | NT$690.00$21.72 | NT$1,490.00$46.90 | NT$990.00$31.16 |
| Tajikistan | $9.99 | $19.99 | $49.99 | $49.99 |
| Tanzania | TZS 29,900.00$11.25 | TZS 11,900.00$4.48 | TZS 149,900.00$56.41 | TZS 89,900.00$33.83 |
| Thailand | THB 99.00$2.96 | THB 149.00$4.46 | — | THB 999.00$29.89 |
| Tonga | $9.99 | $19.99 | $49.99 | $49.99 |
| Trinidad and Tobago | $9.99 | $19.99 | $49.99 | $29.99 |
| Tunisia | $9.99 | $19.99 | $49.99 | $49.99 |
| Turkey | TRY 129.99$2.66 | TRY 179.99$3.68 | — | TRY 999.99$20.43 |
| Turkmenistan | $9.99 | $19.99 | $49.99 | $49.99 |
| Turks and Caicos | $9.99 | $19.99 | $49.99 | $49.99 |
| Uganda | $2.99 | $22.99 | $49.99 | $29.99 |
| Ukraine | $2.99 | $3.99 | — | $29.99 |
| United Arab Emirates | AED 39.99$10.90 | AED 14.99$4.08 | — | AED 199.99$54.49 |
| United Kingdom | £9.99$13.21 | £5.99$7.92 | — | £29.99$39.67 |
| United States | $9.99 | $7.99 | $49.99 | $49.99 |
| Uruguay | $9.99 | $19.99 | $49.99 | $29.99 |
| Uzbekistan | $9.99 | $19.99 | $49.99 | $29.99 |
| Vanuatu | $9.99 | $19.99 | $49.99 | $49.99 |
| Venezuela | $9.99 | $19.99 | $49.99 | $29.99 |
| Vietnam | ₫299,000$11.53 | ₫599,000$23.09 | ₫1,499,000$57.79 | ₫799,000$30.81 |
| Yemen | $9.99 | $19.99 | $49.99 | $49.99 |
| Zambia | $2.99 | $4.99 | $59.99 | $29.99 |
| Zimbabwe | $2.99 | $19.99 | $59.99 | $29.99 |
Verba: AI Captions Reels Maker FAQ
- Is Verba: AI Captions Reels Maker free?
- Yes. The app and its basic features are free, in all 172 countries it sells in. Premium features are paid: they start from $5.99 (US), across 7 subscriptions.
- How much does Verba: AI Captions Reels Maker cost per month?
- Verba Premium (Monthly) is $7.99 – 19.99 (US). The annual plan works out cheaper per month: $49.99 a year.
- Does Verba: AI Captions Reels Maker have a free trial?
- Yes — a 3 days free trial (US).
- Where is Verba: AI Captions Reels Maker cheapest?
- A weekly subscription costs TRY 129.99 (≈$2.66) in Turkey and £9.99 (≈$13.21) in the United Kingdom, its cheapest and dearest countries.
- What are the best alternatives to Verba: AI Captions Reels Maker?
- VEED Lite: Quick Video Edits (4.8 from 80,668 reviews, premium from $2.99), Vozo AI Video Translator & Dub (4.8 from 27,295 reviews, premium from $7.99) and Captions for Videos - SubMe AI (4.7 from 20,019 reviews, premium from $2.99).
Verba: AI Captions Reels Maker download
Last updated 23 days ago.
Verba: AI Captions Reels Maker sells in 172 countries. It was released 2 years and 9 months ago, on 1 Jan 2024. It holds a 4.9 rating from 15,648 reviews.
Supports 9 languages: English, Czech, German, Italian, Polish, Portuguese, Slovak, Spanish, Ukrainian.
How much does Verba: AI Captions Reels Maker make?
Third-party estimates for the last 30 days, worldwide — not the store's own figures, which Apple publishes for nobody.
Revenue by plan
- Monthly 49%
- Annual 30%
- Weekly 18%
- 6 months 3%
Revenue by country
- Ukraine 51%
- United States 11%
- Poland 8%
- Germany 4%