Comparison

Ducat vs M

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

Head to head
About

Ducat

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Ever wondered where your money goes? How did you spend it all? You're not alone, and this is where Ducat can help. Ducat helps you track every expense and subscription with effortless AI-powered natural language input and visualise where you spend your money every week, month and year, so that you can build better spending habits. Unlike autopilot expense trackers that sweep spending under the rug, Ducat makes tracking intentional, putting your habits right in front of you so you can actually change them. As you track, you'll see where you spend the most, what's bleeding your wallet dry and get timely alerts for subscription renewals and trial endings, putting you in charge of your money. KEY FEATURES (Requires paid subscription) • AI-assisted transaction input: Say or type "spent 24.85 on lunch at mcd", and it's done. AI automatically formats and categorises your spend. • Subscription clarity: See all subscriptions in one place and how much you're spending on subscriptions every month and year. Know what's due tomorrow, this week, next month, and what's actually worth keeping. • Insights that are practical and actionable: Which 3 purchases made up 37% of your spending? Your biggest spending days? How much did you spend every day in the last week? Ducat shows you everything you need to build good spending habits through clear, actionable insights. • Daily nudges to help you stay on track: Receive a gentle nudge every day at your preferred time to help you remember to track spending for the day. • Your data syncs securely: Ducat syncs your transactions and subscription data to the cloud frequently. AI processes your transaction requests anonymously. BUILT FOR SPEED & DELIGHT Native iOS through and through. Use search filters to find specific transactions instantly. On-device speech recognition. Crafted with modern liquid glass aesthetics. FREE TRIAL & PRICING Ducat requires an active subscription to use. Subscriptions are billed via App Store through in-app purchases. Explore the app with an all-access 14-day free trial, then choose a billing plan (Monthly or Yearly) to continue using the app. Subscription auto-renews until cancelled. You can cancel your subscription and subsequent auto-renewal via the App Store. HOW TO GET STARTED • Download Ducat • Sign up for an account • Add your first expense by voice or text in seconds • Watch the insights appear as you track Have questions? Reach out at help@ducat.money. Privacy Policy: https://ducat.money/privacy/ Terms of Service: https://ducat.money/terms/

About

M

Features
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Take control of your money with a lock savings app designed to help you build strong saving habits. This app works like a digital piggy bank. You lock your funds for a chosen period, and withdrawals are not allowed until the lock date is reached. This helps you stay disciplined and committed to your financial goals. You can save individually or as a group. Create a savings group, invite members, and contribute together toward shared goals. Group members can view each other’s contributions, promoting transparency and accountability. The app also allows transfers between savings accounts, making it easy to send funds from your savings to another member’s savings account when needed. Key Features: • Lock your savings until a selected date • Save individually or with a group • Create and manage savings groups • View group members’ contributions • Transfer funds between members’ savings accounts • Simple, focused, and easy to use Whether you’re saving alone or with friends, this app helps you stay committed and organized on your savings journey.

Screenshots

Ducat4 screens
M4 screens

Verdict

The call

The clearest difference is in-app purchases: M at none against Ducat's 2. M also leads on device support (3 vs 1) and iOS requirement (15.6 vs 18.1). On price, update cadence and ads 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. Ducat sells 2 in-app purchases, starting at $3.49 per month. M asks for nothing beyond the download.

UpkeepUpdate frequency

Ducat ships an update every 9 days, M every 2 weeks. The most recent releases landed on October 6, 2026 and October 8, 2026 respectively.

Scorecard3 real differences · 3 level
Ducat versus M: the parameters behind the verdict, then further details
ParameterDucatM
PriceFreeFree
Update frequencyEvery 9 days — betterEvery 2 weeks
AdsNoNo
In-app purchasesYesNo — better
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS18.115.6 — better
Further details — not scored
Size28 MB25 MB
Age rating4+4+
DeveloperRahul ChowdhuryKevin Kenduiwa

In-app purchases

2 purchases

Ducat

Subscriptions2
  • Ducat – Monthly Plan$3.491 Month
  • Ducat – Yearly Plan$29.991 Year
None

M

No in-app purchases

Questions

Is Ducat free?
Ducat is free to download, with in-app purchases available.
Is M free?
M is free to download, with no in-app purchases.
Do Ducat or M have ads?
Neither Ducat nor M shows ads.
Which is updated more often, Ducat or M?
Ducat ships an update every 9 days, and M every 2 weeks. Most recently, Ducat was updated on October 6, 2026 and M on October 8, 2026.

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