Numio vs After Zero

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.

After Zero 是一款个人债务记录与还款规划工具。记录每一笔债务与还款进度，让复杂的债务变得清晰可见，陪你一步步走向债务归零。 基础功能： • 记录债务、分期、本金、利息与还款信息； • 生成并维护还款计划； • 支持部分还款、协商减免、提前结清与还款模拟； • 在当前设备本地保存和管理账本数据。 Premium 一次性买断，永久解锁，不自动续费： • 还款日：集中查看每期待还项目、未来还款压力和到期提醒； • 统计报告：查看负债走势、余额变化、债务构成与还清计划； • Excel/PDF 报表导出； • 档案库、备份文件导入导出与云备份； • AI 识图导入。 还款计划、模拟结果及 AI 识图导入生成的债务草稿仅供个人记录与参考，不构成财务、法律或投资建议；请核对信息后再据此安排还款。