Comparison

MLC vs Settle

Price, ratings, monetisation and update history for both apps, side by side β€” with what reviewers say about each.

Head to head
About

MLC

Manage your superannuation, pension, or investment accounts with ease. Securely access your balances, view transactions, update personal details, and track contributions. Find and consolidate lost super, and get notified of payments.

Highlights
  • View account balances
  • Secure login (PIN, Touch ID, Face ID)
  • Check transactions and beneficiaries
  • Review insurance cover
  • Track super contributions
  • Find and consolidate super
  • Update personal details
Features
Read full description

With the MLC app you can: β€’ View your MLC MasterKey super, pension, or investment balancesβ€”quickly and simply. β€’ Get secure and easy access, using a PIN, Touch ID or Face ID (only available on compatible devices). β€’ Check transactions, nominated beneficiaries, and your current mix of investment options. β€’ Get notified when you receive a super payment. β€’ Review insurance cover within your super account. β€’ Keep an eye on your super contributions. β€’ Find and consolidate your super. β€’ View your regular investments and withdrawals, distributions, transactions and investment options in your MasterKey investment account. β€’ Update your personal details. β€’ View our super fund details such as our Fund ABN, Product USI, address, and complying fund statement. β€’ Use the app to easily send your super account details to your employer when you change jobs. β€’ View your balance over financial years as a handy, interactive graph. β€’ Get easy access to help and support within the app. Already have MLC online access? Download the app now. You'll need to be registered for MLC online access. Not registered? Simply go to mlc.com.au or call us on 132 652. Please note: β€’ The app doesn’t include information on MLC Wrap, MLC Navigator or products such as standalone insurance. β€’ This app isn’t intended for use by financial advisers.

About

Settle

Features
Read full description

Settle is a job management app designed for Australian trades businesses such as electricians, plumbers, builders, landscapers and more. It helps you manage the entire job lifecycle from your phone, including quoting, scheduling, tracking hours, managing job sites, invoicing, and getting paid. The goal is to streamline your workflow and keep everything organised in one place. Invoicing Expense tracking Client management Workforce tracking Hours tracker Schedule Business Insights Recurring expenses Daily site checklists Projects & profitability Subcontractor invoicing & payments Custom branding Pay Now button on invoices Schedule and filter by crew Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://settlesimpleflow.com/privacy

Screenshots

MLC4 screens
Settle4 screens

Verdict

The call

The clearest difference is in-app purchases: MLC at none against Settle's 10. MLC also leads on iOS requirement (15.1 vs 26.4). Settle's advantage is update cadence (fortnightly vs every 2 months). On price, ads and device support there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Settle sells 10 in-app purchases, starting at $9.99 per month. MLC asks for nothing beyond the download.

UpkeepUpdate frequency

MLC ships an update every 2 months, Settle fortnightly. The most recent releases landed on October 1, 2026 and September 24, 2026 respectively.

Scorecard3 real differences Β· 5 level
MLC versus Settle: the parameters behind the verdict, then further details
ParameterMLCSettle
PriceFreeFree
Positive reviews30.2% of reviewsβ€”
Update frequencyEvery 2 monthsFortnightly β€” better
AdsNoNo
In-app purchasesNo β€” betterYes
MonetizationFreeβ€”
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.1 β€” better26.4
Further details β€” not scored
Size49 MB1 MB
Age rating4+4+
DeveloperIOOF Service Co Pty LtdRiley Dack

In-app purchases

None

MLC

No in-app purchases

10 purchases

Settle

Subscriptions10
  • Settle Premium$9.991 Month
  • Settle Solo Monthly$19.001 Month
  • Settle Crew Monthly$44.991 Month
Show 7 more
  • Settle Business Monthly$79.991 Month
  • Settle Premium Yearly$90.001 Year
  • Settle Enterprise Monthly$99.991 Month
  • Settle Solo Yearly$190.001 Year
  • Settle Crew Yearly$449.991 Year
  • Settle Business Yearly$799.991 Year
  • Settle Enterprise Yearly$999.991 Year

Questions

Is MLC free?
MLC is free to download, with no in-app purchases.
Is Settle free?
Settle is free to download, with in-app purchases available.
Do MLC or Settle have ads?
Neither MLC nor Settle shows ads.
Which is updated more often, MLC or Settle?
MLC ships an update every 2 months, and Settle fortnightly. Most recently, MLC was updated on October 1, 2026 and Settle on September 24, 2026.

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