# M vs Ledgerly

The clearest difference is review sentiment: Ledgerly at 100% against M's 0%. Ledgerly also leads on rating (5.0 vs 2.5) and update cadence (every 5 days vs every 3 months). M's advantage is in-app purchases (none vs 4) and ratings volume (8 vs 1). On price, ads and device support there is nothing between them.

Both are free to download. Ledgerly sells 4 in-app purchases, starting at $0.99 per month. M asks for nothing beyond the download.

Ledgerly holds the better App Store score, 5.0 against 2.5. That said, the two scores are not equally well evidenced: M has 8 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 0% of M's written reviews are positive against 100% of Ledgerly's.

M ships an update every 3 months, Ledgerly every 5 days. Both last shipped on October 31, 2026.

## The numbers

| Metric | M | Ledgerly |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.5 (8 ratings)](https://appshunter.io/ios/app/m-pesa-lehulum/id6742647476/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/ledgerly-net-worth-tracker/id6773573490/reviews)** |
| Number of ratings | **8** | 1 |
| Positive reviews | 0.0% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 5 days** |
| Monetization | **Free** | Freemium |
| Size | 72 MB | 36 MB |
| Requires iOS | **13.0** | 17.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, Apple Watch |
| Age rating | 17+ | 9+ |
| Developer | [Safaricom Telecommunications Ethiopia Plc](https://appshunter.io/developer/1700263820) | [Novarch LLC](https://appshunter.io/developer/6773573492) |

## What reviewers say

### M

[App page](https://appshunter.io/ios/app/m-pesa-lehulum/id6742647476)

Access financial services in Ethiopia with this fast and inclusive mobile application. Send money, pay bills, buy airtime, and enjoy rewards, all with a simple interface that uses low data and storage.

**Highlights:** Send money to any bank or mobile money provider, Buy airtime instantly, Pay bills for utilities and TV, Scan QR codes to pay merchants, Transaction history tracking, Spin the wheel for transaction rewards, Access overdraft facilities

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

**In-app purchases:** none


### Ledgerly

[App page](https://appshunter.io/ios/app/ledgerly-net-worth-tracker/id6773573490)

This app helps you track your net worth, manage expenses, and monitor investments with a privacy-first approach. It provides a comprehensive view of your financial health, including multi-currency support and detailed analytics. All your data is stored locally on your device for maximum security.

**Highlights:** Net worth tracking, Expense tracking, Budget planning, Multi-currency accounts, Investment portfolio monitoring, Financial health analytics, Offline-first data storage

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Ledgerly Pro (Monthly) | $0.99 | per month |
| Ledgerly Pro+ Monthly | $2.99 | per month |
| Ledgerly Pro (Annual) | $5.99 | per year |
| Ledgerly Pro+ Annual | $12.99 | per year |


## Frequently asked questions

### Is M free?

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

### Is Ledgerly free?

Ledgerly is free to download, with in-app purchases available.

### Which has better reviews, M or Ledgerly?

Ledgerly is rated higher. M averages 2.5 out of 5 from 8 ratings, while Ledgerly averages 5.0 from 1 ratings.

### Do M or Ledgerly have ads?

Neither M nor Ledgerly shows ads.

### Which is updated more often, M or Ledgerly?

M ships an update every 3 months, and Ledgerly every 5 days. Most recently, M was updated on October 31, 2026 and Ledgerly on October 31, 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.*