Comparison

Mulah vs Settle

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

Head to head
About

Mulah

This digital checkbook allows you to track spending across two accounts. Schedule future and recurring transactions with custom notes, and edit or delete entries easily. Export your data as a CSV file and switch between light and dark modes.

Highlights
  • Track spending for up to two accounts
  • Schedule future and recurring entries
  • Add custom notes to transactions
  • Edit and delete entries
  • Export records as CSV
  • Light and dark mode options
Read full description

Mulah is a simple and minimal spending tracker that acts as a digital checkbook. With Mulah, you can: Add and subtract balance amounts for up to two accounts Schedule entries for future dates where amounts apply to your balance on the scheduled date Set repeating entries on a daily, bi-weekly, or monthly frequency Customize account names Add custom notes to each record entry Edit amounts, dates, notes, and repeat settings through the records list Delete entries from the records list Enable/disable a checklist view for additional tracking Export your records list as a .csv file Toggle between light and dark mode in Settings

About

Settle

Features
Read full description

Track your money in seconds. Private, simple, and yours. Settle makes it easy to log expenses, set budgets, and see where your money goes. • Drag to log, or add in a couple of taps • Multiple accounts with multi-currency support • Transfers between your own accounts, and a spend can become one at any time • Budgets and monthly spending insights • Clean charts, light and dark themes • No sign-up, no ads, no tracking SETTLE PRO • Automation: pay with your phone and the expense lands in your budget on its own, with the phone locked and the app closed. A shop Settle knows goes straight to its category; anything new waits in Review, where one fix teaches it for good • Restore points: snapshots of your data you can roll back to, kept on the device and in your own iCloud Drive, so they survive a reinstall • Recurring rules: rent, subscriptions, and bills record themselves on schedule • monobank sync, for accounts in Ukraine: cards and jars import themselves, so the day is already logged WHERE YOUR DATA LIVES There is no Settle account and no Settle server. Your finances sit in a database on your phone. Bank data travels between your device and your own bank. Restore points go to your own iCloud Drive. We cannot see any of it. Available in English and Ukrainian. SUBSCRIPTION Settle Pro costs $2.99 per month or $19.99 per year, starting with a 14-day free trial. Payment is charged to your Apple Account when you confirm the purchase. The subscription renews automatically unless you cancel at least 24 hours before the current period ends. Manage or cancel it at any time in your Apple Account settings. Any unused part of a free trial is forfeited if you subscribe before it ends. Terms of Use (Apple standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://juisemad.github.io/settle-privacy/

Screenshots

Mulah4 screens
Settle4 screens

Verdict

The call

The clearest difference is update cadence: Settle at every 4 days against Mulah's every 38 months. On price, 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

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Mulah ships an update every 38 months, Settle every 4 days. The most recent releases landed on June 10, 2026 and September 16, 2026 respectively.

Scorecard1 real difference · 9 level
Mulah versus Settle: the parameters behind the verdict, then further details
ParameterMulahSettle
PriceFreeFree
Rating5.0 (1 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings1 — better—
Update frequencyEvery 38 monthsEvery 4 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhoneiPhone
Requires iOS16.416.4
Further details — not scored
Size1 MB49 MB
Age rating4+4+
DeveloperJalixx LLCEduard Kovtun

In-app purchases

None

Mulah

No in-app purchases

None

Settle

No in-app purchases

Questions

Is Mulah free?
Mulah is free to download, with no in-app purchases.
Is Settle free?
Settle is free to download, with no in-app purchases.
Do Mulah or Settle have ads?
Neither Mulah nor Settle shows ads.
Which is updated more often, Mulah or Settle?
Mulah ships an update every 38 months, and Settle every 4 days. Most recently, Mulah was updated on June 10, 2026 and Settle on September 16, 2026.

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