Numio vs CardCycle

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 - 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 - Estimate term deposit interest and total value at maturity, 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 JSON backups, CSV spreadsheets, and 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.

CardCycle is a simple tracker for credit card annual fee cycles. • Record annual fees, currencies, cycle dates, and waiver rules • Track spending-count, spending-amount, or combined goals • Quickly log transaction counts and spending amounts • Support lifetime-free, non-waivable, and manually completed cards • Filter cards by bank, status, and progress • Sync your data across devices with the private iCloud database for your Apple Account • Choose Chinese or English, plus Light, Dark, or Auto appearance CardCycle does not connect to banks or process card payments, and it never asks for a full card number. You only enter the information needed to manage your card fee cycles.