Numio vs FreeGrid

Know what you own, what you owe, what keeps renewing, and what you use every day. Numio is a local-first personal asset organizer that brings your accounts, credit cards, investments, subscriptions, and important belongings into one place. You do not need to log every purchase to understand your assets, renewals, and belongings. Asset management - View your net worth, total assets, total liabilities, account structure, and currency allocation - Manage cash, bank accounts, digital wallets, stored-value cards, term deposits, and multi-currency accounts - Track credit cards, shared credit limits, statement dates, payment due dates, and annual fee progress - Confirm credit card statements, separate amounts due from unbilled spending, and apply repayments to a specific statement - Record balance changes, expenses, income, top-ups, and repayments - Track receivables, payables, and expected settlement dates - Organize accounts with groups, sorting options, and custom card designs - Manage stocks, ETFs, funds, fixed-income products, investment insurance, gold, silver, and crypto assets - Group multi-currency cash and holdings at the same broker or platform in an investment account - Estimate term deposit interest and total value at maturity with reminders before it arrives, and track insurance current values and expected payouts - Update low-frequency valuations and unrealized gains or losses for supported investments Subscription management - Manage automatic and manual renewals, third-party memberships, free trials, and lifetime purchases - Record payment history, service periods, plan upgrades, downgrades, and price changes - Manage shared memberships and each member’s service period - Review average daily, monthly, and yearly spending - Receive local reminders before renewals, charges, or expiration dates - Share an app from the App Store to Numio to create a subscription more quickly Belongings - Record purchase prices, dates, retailers, warranties, and current status - Track repairs, maintenance, cleaning, upgrades, sales, and disposal - Manage repairs, maintenance, accessories, and supplies under each belonging, with related spending included in its cost - Understand long-term value through days in use and daily ownership cost - Manage consumable inventory, expiration dates, wish lists, and regret lists - Paste purchase links from Taobao, Tmall, JD, or Pinduoduo to help fill in purchase details - On supported devices, use Apple Intelligence to extract reviewable order information entirely on device More capabilities - Use Home Screen widgets for assets, accounts, credit cards, subscriptions, and consumables - Keep data on your device by default, with no account required - Export and restore Numio backup packages, export ZIP archives and CSV spreadsheets, and export local diagnostic files - Optionally save and sync snapshots through iCloud or WebDAV - Protect information in the app switcher with a privacy cover - Use Numio in Simplified Chinese, Traditional Chinese, or English Numio does not provide real-time quotes, trading, or investment advice, and it does not require a complete expense history. It helps you understand your accounts, investments, subscriptions, and belongings with less daily maintenance.

Most money apps tell you how much you spent. FreeGrid shows you what it cost. It turns your available funds and how fast you spend into one number you can see every day — Freedom Days: if you stopped earning today, how many days your money would let you live freely. The number comes straight from what you record. The longer you track, the more accurate it gets. No goals to set up front. Three ideas behind it: • See the cost: big purchases are spread into your daily average, so every decision shows its real weight. • Think long term: the longer you track, the less any single purchase swings the number. Start early, and big purchases later feel easier. • Earn more, spend wisely: every bit of income and every expense you skip lights up new squares on your grid. — What a new computer really costs — After a month of tracking, you spend 30 a day and have 10,000 in available funds: FreeGrid says you have 333 Freedom Days. Now you want a 6,000 computer. Other apps show your balance dropping by 6,000. FreeGrid spreads the cost into your daily average and shows the harder truth: Daily cost 30 → 96.7 Freedom Days 333 → 41 In your first three months, a large expense is spread over 90 days, so one purchase won't multiply your daily average. You can also run the purchase through Simulate before you buy. FreeGrid isn't telling you not to spend — it helps you spend with your eyes open. — Bills — Set rent, utilities and subscriptions as bills. They come out of your cash on their due date, and Freedom Days follow the calendar, so rent day no longer makes the number plunge. — Widgets — Put your Freedom Days on the Home Screen and Lock Screen, and see them without opening the app. — FreeGrid Pro (one-time in-app purchase, not a subscription) — These features need FreeGrid Pro. You can try it free for 7 days: • Your own expense categories • Split assets and cash into sub-accounts, and choose which count toward Freedom Days • The Money & Time view of your assets • Loans and installments, counted by their repayment schedule • Export and share your Freedom Card • Goals of your own: how many Freedom Days you want, compared directly with the days you have • Freedom Dashboard and My goal widgets Tracking, bills, Freedom Days, the grid, Simulate, the Freedom Days widget, and backup and restore are all free. Available in English and Chinese. Your records stay on your device; purchases and restores go through Apple.