# Numilo - Personal Finance — Budget · Assets · Loan Planner

> Personal finance tracker for income, expenses, assets, debts, and loan repayment plans. (iPhone/iPad app by 林 苟.)

- Source: https://appshunter.io/ios/app/numilo-personal-finance/id1552840181 (this page in markdown: same URL + `.md`)
- Developer: [林 苟](https://appshunter.io/developer/1552707164)
- Category: Finance, Productivity
- Price: Free with in-app purchases (on sale, was $0.99)
- Rating: 3.30/5 from 3 App Store ratings · 3 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.0 · 19 MB
- Languages: Danish, Ukrainian, Russian, Norwegian Bokmål, Hindi, Indonesian, Turkish, German (Germany), Italian, Japanese and 15 more
- Released: 2021-02-25
- Data updated: 2026-08-24
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/numilo-personal-finance/id1552840181/reviews.md

## What is Numilo?

Numilo — a clean, efficient personal finance tool that makes bookkeeping feel effortless.

Ledger Management
Organize spending across multiple ledgers. Link a ledger to an asset account so income and expenses automatically sync to your balance. Import, export, and merge ledgers with clear analytics at every level.

Asset Overview
See your net worth in one place. Manage asset accounts and liabilities, track borrow/lend balances alongside everyday bookkeeping. A new trend chart visualizes how your assets change over time.

Credit Accounts
Built for loans and installments: equal payment, equal principal, and interest-only repayment methods. Preview prepayment impact on interest and monthly payments. Adjust rates, set up multi-account auto-deductions, and review combined repayment plans and history — so mortgages and consumer loans stay visible next to your cash flow.

Favors Ledger
Track social gift exchanges by contact. Review each send/receive record and see balanced or outstanding amounts, keeping both everyday finances and social obligations neatly organized.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Key features

- Multi-account ledger management
- Asset and debt overview
- Loan repayment planning
- Credit account management
- Gift and social spending tracker
- Financial trend charts

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Tip $1.99 | $1.99 | one-time |
| Tip $0.99 | $0.99 | one-time |
| Tip $2.99 | $2.99 | one-time |


## Recent user reviews (3 of 3)

All indexed reviews: https://appshunter.io/ios/app/numilo-personal-finance/id1552840181/reviews.md

### 1/5 — 之前买的pro 更新后没了

*2026-08-20*

就这么没诚信？

**Developer response:** 你好，软件之前是没有订阅功能的，你之前应该是在软件需要付费的时候买的，目前软件改为免费加订阅的模式，软件付费确实是没有销量，希望能理解，另外订阅付费的都是新增功能。麻烦您这边提供一下id，需要登录后才有，然后我可以给你做一些补偿，对您造成的困扰感到抱歉，后续有其他问题也可以加群或者发送邮件给我，我们会积极处理的

### 5/5 — 非常不错

*2026-08-12*

非常不错 推荐大家下载 没有广告

### 5/5 — 记账软件

*2026-07-08*

这款记账软件很好，里面内容丰富，有礼簿记账，有银行贷款记账，一个APP就可以了，不用下载多个APP了，作者说还会优化自动记账加上纳物。

## Frequently asked questions about Numilo

### What is N+记账?

N+记账 is a personal finance management tool designed to simplify tracking income and expenses, managing assets and debts, and planning loan repayments. It offers features like multi-account support and financial trend charts.

### Is N+记账 free to use?

Yes, N+记账 is free to download and use. It also offers in-app purchases for additional features or content.

### What devices does N+记账 support?

N+记账 is available on iPhone and iPad devices.

### How often is N+记账 updated?

The latest version, 2.10.0, was released on 2026-07-14, indicating regular updates to improve functionality and user experience.

### What is the age rating for N+记账?

N+记账 has an age rating of 4+, making it suitable for a wide range of users.

### Can N+记账 help manage loans?

Yes, N+记账 includes a 'Credit Account' feature that supports various repayment methods, allows preview of interest and monthly payment changes, and helps manage loan repayment plans.

### Does N+记账 have ads?

Based on the provided data, N+记账 does not contain advertisements.

### What kind of financial data can N+记账 track?

N+记账 allows for detailed tracking of income and expenses, management of asset and liability accounts, and recording of borrowing and lending transactions.

## Version history (last 5 releases)

### 2.13.0 — 2026-08-20

What's New

• New Shared Ledgers: invite family and friends to record together. Entries, categories, and shared tags sync automatically, while everyone's asset accounts stay private. Creating one requires Pro; invited members join free.
• Turn an existing ledger into a shared copy, or import your personal categories and tags to get started together more easily.
• Configure categories and tags for each ledger so only the items you need appear. Management, search, sorting, and entry browsing are also improved.
• A redesigned Pro page makes plans and benefits clearer.
• General refinements and fixes.

### 2.12.0 — 2026-08-04

What's New

• Tags for your records: add several tags to a single entry, group by trip or project, and filter, analyse and export by tag.
• Automatic iCloud Sync: changes upload on their own, so multiple devices no longer need a manual sync.
• Refinements throughout and various fixes.

### 2.11.0 — 2026-07-23

What's New

• Added iCloud data sync to keep your data consistent across devices.
• Added fully custom loans where you enter each installment's principal and interest yourself.
• Added bill transfer to move bills to another ledger.
• Borrowing, lending, and gift books can now link to asset accounts and ledgers; collections and repayments can be applied to a specific loan.
• Added an entry for managing reimbursements for easier access.
• Improved product experience and fixed several issues.

### 2.10.0 — 2026-07-14

What's New

• Added support for fees, discounts, and photo attachments when recording bills, with improved record settings, category management, and payment account management.
• The home page now supports weekly, monthly, yearly, and all-time views, with clearer period cards and asset trend displays.
• Added reimbursement and refund recording, with improved bill detail sheets and editing flows.
• Improved import and export, including borrowing and lending data export, PDF image export, and an account balance sync option.
• Improved Shortcuts and auto-recording compatibility, with support for recognizing bills from text and confirming records.
• Improved fonts, category icons, widget reminders, and credit account support, plus fixes for known issues.

### 2.9.0 — 2026-07-08

What's New

• Improved the user experience.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-24.*