Comparison

MLC vs Watch Your Wallet

Price, ratings, monetisation and update history for both apps, side by side — 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: • View your MLC MasterKey super, pension, or investment balances—quickly and simply. • Get secure and easy access, using a PIN, Touch ID or Face ID (only available on compatible devices). • Check transactions, nominated beneficiaries, and your current mix of investment options. • Get notified when you receive a super payment. • Review insurance cover within your super account. • Keep an eye on your super contributions. • Find and consolidate your super. • View your regular investments and withdrawals, distributions, transactions and investment options in your MasterKey investment account. • Update your personal details. • View our super fund details such as our Fund ABN, Product USI, address, and complying fund statement. • Use the app to easily send your super account details to your employer when you change jobs. • View your balance over financial years as a handy, interactive graph. • 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: • The app doesn’t include information on MLC Wrap, MLC Navigator or products such as standalone insurance. • This app isn’t intended for use by financial advisers.

About

Watch Your Wallet

Features
Read full description

Watch My Wallet is a simple to use budget builder and expense tracker that helps you create and monitor your budget. It uses budget categories, expenses and categorisation rules for expenses to create and track a comprehensive budget, predicting your spending over the year. Watch My Wallet does not use the concept of accounts, instead keeping things simple. FEATURES: - Optional iCloud syncing for data backup and sharing your data across multiple devices. - Comprehensive documentation available at https://dubiousdtelladigital.com.au/watch-my-wallet/ Budget: - Create a comprehensive budget by breaking your income into color-coded categories and class these as essential, non-essential or savings. - Create, edit and delete categories. - See your budget grow as you add categories, visible when you add or edit categories as well as on the Categories screen. - Track and predict your expenses against this budget, with highlights when you spend above your budget. Expenses: - Create, edit and delete expenses. - Add expenses manually or import via CSV files from your bank. - CSV imports have highlights for duplicates and credits and can be removed before importing the remaining expenses. - Put expenses into colour-coded categories manually or with the help of categorisation rules. - Browse and filter / search for expenses in multiple ways. Overviews: - Multiple overview screens to see at a glance how you're tracking against your budget. - A prediction graph to estimate how much you'll spend in a year. - Customise the month of the year that you want to start your expenses in for tracking against annual targets. Support is available at support@dubiousdtelladigital.com.au

Screenshots

MLC4 screens
Watch Your Wallet4 screens

Verdict

The call

The clearest difference is price: MLC at Free against Watch Your Wallet's $1.99. MLC also leads on iOS requirement (15.1 vs 17.6). On ads, in-app purchases and device support there is nothing between them.

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

CostPrice · In-app purchases · Ads · Monetization

MLC is free to download; Watch Your Wallet costs $1.99 up front. Neither carries in-app purchases, so what you see is what you pay.

Scorecard2 real differences · 6 level
MLC versus Watch Your Wallet: the parameters behind the verdict, then further details
ParameterMLCWatch Your Wallet
PriceFree — better$1.99
Positive reviews30.2% of reviews—
Update frequencyEvery 2 months—
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.1 — better17.6
Further details — not scored
Size49 MB27 MB
Age rating4+4+
DeveloperIOOF Service Co Pty LtdDubious Dtella Digital

Bugs and requests

MLC

Reported bugs

11 issues
  • Login button does not work
  • App crashes
  • Face ID/Face recognition signing in issues
  • App stuck on login page
  • Update does not work
Show 6 more
  • Keyboard not presented for login
  • Back button not working
  • White screen on launch
  • Cannot accept terms and conditions
  • App cycles to App Store after update
  • Login details incorrect despite website working

Requested features

11 requests
  • Include rate of return for previous and current year
  • Show balance after every transaction
  • Option to view data by calendar year
  • Add graphs for visualization
  • Manage investments from the app
Show 6 more
  • Improve UI color scheme
  • Add more features like changing portfolio and insurance numbers
  • Update login photo
  • Allow online withdrawal of funds
  • Face recognition login on every login
  • App rotation and better iPad screen utilization

Watch Your Wallet

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

MLC

No in-app purchases

None

Watch Your Wallet

No in-app purchases

Questions

Is MLC free?
MLC is free to download, with no in-app purchases.
Is Watch Your Wallet free?
Watch Your Wallet costs $1.99, with no in-app purchases.
Do MLC or Watch Your Wallet have ads?
Neither MLC nor Watch Your Wallet shows ads.

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