# MLC vs Settle

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.

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

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

## The numbers

| Metric | MLC | Settle |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 30.2% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 2 months | **Fortnightly** |
| Monetization | Free | — |
| Size | 49 MB | 1 MB |
| Requires iOS | **15.1** | 26.4 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [IOOF Service Co Pty Ltd](https://appshunter.io/developer/1453139490) | [Riley Dack](https://appshunter.io/developer/1896330876) |

## What reviewers say

### MLC

[App page](https://appshunter.io/ios/app/mlc/id1409473189)

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:** Vision Pro support

**In-app purchases:** none


### Settle

[App page](https://appshunter.io/ios/app/settle/id6766844768)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Settle Premium | $9.99 | per month |
| Settle Solo Monthly | $19.00 | per month |
| Settle Crew Monthly | $44.99 | per month |
| Settle Business Monthly | $79.99 | per month |
| Settle Premium Yearly | $90.00 | per year |
| Settle Enterprise Monthly | $99.99 | per month |
| Settle Solo Yearly | $190.00 | per year |
| Settle Crew Yearly | $449.99 | per year |
| Settle Business Yearly | $799.99 | per year |
| Settle Enterprise Yearly | $999.99 | per year |


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*