Apptuary vs Model ML
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Apptuary
This app provides actuarial calculations for students and professionals, eliminating the need to consult tables. It offers downloadable life tables and performs complex calculations for annuities, assurances, option pricing, and various statistical distributions.
- Downloadable life tables
- Life contingent annuity and assurance calculations
- Option pricing (Black-Scholes model)
- Annuities-certain calculations
- Cumulative probabilities for statistical distributions
- Inverse cumulative distribution values
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"Quicker than using the tables" "A must have for an actuarial student" "The graphing option is extremely useful" Over 5,000 downloads worldwide! Apptuary is THE app to have if you're an Actuarial student or a qualified Actuary - PARTICULARLY if you're tired of looking up values in tables of figures. Apptuary is the ONLY actuarial app to feature downloadable Life Tables, and makes life-contingent annuity, compound-interest, option and statistical calculations fast and easy. Apptuary can calculate: • Values for life contingent annuities and assurances for single and joint lives, for any combination of interest rate and term. • The values of all of the first and second order Greeks, using the Black-Scholes model of option prices. • Values for annuities-certain for: - any interest rate - any number of payment years (including infinite) - any number of payments per year (including continuous) - any deferral period. • Cumulative probabilities for a number of discrete and continuous statistical distributions, as well as values for the inverses of those cumulative distributions: - Binomial - Bernoulli - Poisson - Negative Binomial (Type I) - Negative Binomial (Type II) - Geometric - Uniform (Discrete version) - Standard Normal - Normal (Gaussian) - Exponential - Gamma - Chi-square - Uniform (Continuous version) - Lognormal - Pareto (Two-parameter version) - Weibull - Burr • The means and variances for the above distributions PLUS the following: - Beta - Pareto (Three parameter version)
Model ML
This AI-powered finance agent assists investment banking, private equity, and advisory teams by generating client-ready pitchbooks, financial models, and memos. It connects to your data in real-time, learns your methodologies, and ensures enterprise-grade security.
- AI-powered finance agent
- Generates pitchbooks and financial models
- Connects to real-time data
- Learns user methodologies
- Enterprise-grade security
- Voice and text interaction
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Model ML is your Finance Agent wherever you are, whenever you need it. Made for investment banking, private equity, and advisory teams, it connects to your data in real time, works the way you do, and gets sharper with every deal. Produce client-ready pitchbooks, financial models, memos, and audits, right from your phone with Model ML. AN AI AGENT THAT WORKS LIKE YOU Teach your Agent how you work: your comp methodology, your LBO conventions, your memo style. Encoded once, applied every time. It remembers your business, your clients, and your last call, carried forward without being asked twice. Fully composable, governed, and customizable. CLIENT-READY DELIVERABLES Hand your Agent a target company and get back a 50+ page pitchbook in your house format. Build fully linked, multi-tab financial models where every cell is traceable to the source. Generate research memos, company primers, and sector overviews — structured, branded, and ready to circulate. Audit existing decks in a single click, reconciling every figure, chart title, and footnote against the source before the client ever sees them. CONNECTED TO ALL YOUR DATA Documents, data rooms, CRMs, and email — connected, retrieved, and cited. Your Agent reasons across CapIQ, FactSet, filings, and transcripts, with source material always on tap for valuation, due diligence, and deal work. Connect your internal systems and bespoke tools via MCP or API. PICK UP RIGHT WHERE YOU LEFT OFF Start your work in the mobile app and continue in the apps you already use. Same brain, same skills, same memory of last week's work. WHEREVER YOU ARE, YOUR AGENT IS TOO Talk to it and it talks back, in natural two-way voice conversation. Chat by text for quick back-and-forth on the go. Set triggers or email it, and finished work lands in your inbox. THE BEST MODEL FOR EVERY TASK A model-agnostic architecture routes every task to the best AI model for the job — and evolves as the ecosystem advances, so you're always working on the frontier. Build custom agents in Model ML which help you: ▶ Assemble pitchbooks in your house format ▶ Build linked, traceable financial models ▶ Draft research memos and company primers ▶ Audit decks for errors, contradictions, and formatting drift ▶ Automate repeatable deliverables with Custom Agents ▶ Work hands-free with voice, text, or email ▶ Bring your own data into every task, cited to the source ENTERPRISE-GRADE SECURITY Purpose-built for enterprise financial institutions, with the strongest standards of security and compliance built into our core. ISO 27001 and SOC 2 certified, GDPR compliant. Trusted by the world's leading financial institutions.
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Verdict
The clearest difference is update cadence: Model ML at weekly against Apptuary's every 5 months. Model ML also leads on rating (5.0 vs 4.6). Apptuary's advantage is device support (3 vs 1) and iOS requirement (14.0 vs 17.0). On price, ratings volume, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Model ML holds the better App Store score, 5.0 against 4.6. Both are backed by a comparable volume of ratings — 10 and 5 respectively.
Apptuary ships an update every 5 months, Model ML weekly. The most recent releases landed on September 24, 2026 and October 6, 2026 respectively.
| Parameter | Apptuary | Model ML |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (10 ratings) | 5.0 (5 ratings) — better |
| Positive reviews | 93.3% of reviews | — |
| Number of ratings | 10 — better | 5 |
| Update frequency | Every 5 months | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 14.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 15 MB | 29 MB |
| Age rating | 4+ | 4+ |
| Developer | David Crowther | Model ML |
Customer experience
Apptuary
Model ML
In-app purchases
Apptuary
No in-app purchases
Model ML
No in-app purchases









