Numio vs 维维记账

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.

维维记账是一款专注于「轻松记、放心存」的本地优先个人记账 App。无需繁琐输入，按住说话即可智能记账。 【核心亮点】 · AI 语音与文字记账 主动提交文字或语音转写文字后，AI 可识别金额、分类、备注与时间，生成待确认草稿；确认后才写入本地账本。 · 会员 AI 不限次 所有有效月度、年度和终身会员，在权益有效期间使用 AI 记账、截图文字识别、对话和账单分析均不限次数，并解锁高级统计和账单导出。 · 本地优先与可选 iCloud 同步 账单默认保存在设备本地；你可自行开启 Apple iCloud 私有数据库同步。同步由 Apple 系统调度，不属于付费会员权益。 · 分类预算与清晰统计 支持分类预算、超支提醒、收支总览、分类占比、年度趋势和预算追踪。 · 便捷导入导出 支持 CSV 账单导入；会员可导出 CSV 账单用于备份或迁移。 【隐私说明】 自建服务器不作为云账本存储账单明细。仅当你主动使用联网 AI 功能时，你提交的文字、在本机完成 OCR 后的截图文字，以及完成账单查询或分析所必需的账单上下文，会经我们的服务器传输至 DeepSeek 处理；原始图片和原始录音不会上传。具体数据处理方式见隐私政策。 【会员服务】 月度会员、年度会员为自动续期订阅；终身会员为一次性购买。价格、周期和权益以 App Store 购买页为准。月度和年度订阅可随时在 Apple 账户的订阅管理中取消自动续费。 使用条款（EULA）：https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ 隐私政策：https://cash.nbalaw.cn/privacy.html