Comparison

Mduyen Ledger vs Settle

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

Head to head
About

Mduyen Ledger

Effortlessly track your money with this personal finance app. Manage daily expenses, analyze spending habits, and maintain multiple ledgers with a clean, intuitive interface. Understand your financial trends and take control of your money.

Highlights
  • Multi-ledger support
  • Easy income & expense tracking
  • Monthly financial overview
  • Spending analysis and trends
  • Flexible account management
  • CSV data import/export
  • Privacy-first design
Features
Read full description

Mduyen Ledger is a simple and powerful personal finance app designed to help you track your money effortlessly. Whether you want to manage daily expenses, analyze spending habits, or keep multiple ledgers, Mduyen Ledger gives you a clean and intuitive experience. Key Features: • Multi-ledger support Create and manage multiple ledgers for personal, family, or business use. • Easy income & expense tracking Quickly add transactions with categories, accounts, and notes. • Clear monthly overview See your income, expenses, and balance at a glance. • Smart statistics Understand your spending with category breakdowns and trends. • Flexible account system Manage cash, bank cards, and e-wallets in one place. • CSV import & export Easily backup or transfer your financial data. • Privacy-first Your data stays on your device. No unnecessary data collection. Designed with simplicity and clarity in mind, Mduyen Ledger helps you focus on what matters most — understanding your money. Start tracking today and take control of your finances.

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

Mduyen Ledger4 screens
Settle4 screens

Verdict

The call

The clearest difference is update cadence: Settle at every 4 days against Mduyen Ledger's every 3 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

Mduyen Ledger ships an update every 3 months, Settle every 4 days. The most recent releases landed on September 30, 2026 and September 16, 2026 respectively.

Scorecard1 real difference · 8 level
Mduyen Ledger versus Settle: the parameters behind the verdict, then further details
ParameterMduyen LedgerSettle
PriceFreeFree
Rating5.0 (1 ratings) — better—
Number of ratings1 — better—
Update frequencyEvery 3 monthsEvery 4 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad — betteriPhone
Requires iOS17.016.4 — better
Further details — not scored
Size4 MB49 MB
Age rating4+4+
DeveloperThi My Duyen PhanEduard Kovtun

In-app purchases

None

Mduyen Ledger

No in-app purchases

None

Settle

No in-app purchases

Questions

Is Mduyen Ledger free?
Mduyen Ledger is free to download, with no in-app purchases.
Is Settle free?
Settle is free to download, with no in-app purchases.
Do Mduyen Ledger or Settle have ads?
Neither Mduyen Ledger nor Settle shows ads.
Which is updated more often, Mduyen Ledger or Settle?
Mduyen Ledger ships an update every 3 months, and Settle every 4 days. Most recently, Mduyen Ledger was updated on September 30, 2026 and Settle on September 16, 2026.

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