# HD Mutual vs SmartSpud

The clearest difference is update cadence: SmartSpud at every 6 weeks against HD Mutual's every 4 months. On price, ads, in-app purchases and device support there is nothing between them.

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

HD Mutual ships an update every 4 months, SmartSpud every 6 weeks. The most recent releases landed on October 5, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | HD Mutual | SmartSpud |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 6 weeks** |
| Size | 38 MB | 45 MB |
| Requires iOS | 15.1 | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Dumfries Mutual Insurance Company](https://appshunter.io/developer/1542815927) | [Masitek Instruments Inc.](https://appshunter.io/developer/1451535578) |

## What reviewers say

### HD Mutual

[App page](https://appshunter.io/ios/app/hd-mutual/id6451496227)

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### SmartSpud

[App page](https://appshunter.io/ios/app/smartspud/id6636543609)

**In-app purchases:** none


## Frequently asked questions

### Is HD Mutual free?

HD Mutual is free to download, with no in-app purchases.

### Is SmartSpud free?

SmartSpud is free to download, with no in-app purchases.

### Do HD Mutual or SmartSpud have ads?

Neither HD Mutual nor SmartSpud shows ads.

### Which is updated more often, HD Mutual or SmartSpud?

HD Mutual ships an update every 4 months, and SmartSpud every 6 weeks. Most recently, HD Mutual was updated on October 5, 2026 and SmartSpud on October 24, 2026.

---

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