Numio vs Conch Expense

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 - Record property and vehicle purchases, manually update their values, and link loans - Track mortgages, car loans, and other loans, with remaining installments, actual payments, and reminders - Organize insurance policies, insured people, coverage, premiums, and renewals, including lifetime coverage and paid-up status - 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 Numio Pro Eligible users can try all Pro features free for 7 days. The trial ends automatically with no automatic charge. A separate one-time purchase unlocks lifetime Pro access. 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.

Conch Expense is an expense tracker for people who travel for work in mainland China and claim the costs back from their company. Log each expense as it happens, attach the invoice (fapiao), and create the expense report in one tap when the trip is over. LOG AN EXPENSE IN SECONDS • Flights, trains, hotels, meals and taxis each have their own form: frequent trips fill in with one tap, hotels work out the price per night, meals work out the cost per person, taxi rides take their start and end points from the map • Add an invoice from the camera, your photo library or Files, and the amount, date, invoice number and seller are filled in for you • Unfinished entries are saved as drafts; when you add a matching invoice later, the app offers to attach it to the draft instead of logging a duplicate INVOICES, RECOGNIZED ON YOUR DEVICE • Reads China digital e-invoices (PDF, OFD and XML) as well as photos and scans of paper invoices • Recognition runs on your iPhone; invoice images are never uploaded • Optional Mailbox Sync connects straight from your phone to your mailbox over IMAP, only when you tap Sync, and picks up the invoices waiting there STAY WITHIN YOUR COMPANY'S LIMITS • Set limits per invoice title for flights, trains, hotels and meals • An over-limit warning appears as soon as you enter the amount • Expenses that are still missing an invoice are flagged in the list and on the calendar SEE THE WHOLE TRIP • Filter by type, status or tag, or combine them; search by hotel or merchant • Calendar view with hotel stays shown as bands, plus China's public holidays and make-up workdays • Totals by type for this month, this quarter, this year or any date range EXPENSE REPORTS IN ONE TAP • Pick the expenses and export a report as PDF, Word or Excel; PDF and Word reports include the invoices • Save the file to the Files app • Mark the expenses as Claiming, then Reimbursed, so you always know what is still owed to you INVOICE TITLES • Keep your company's invoice title, tax ID, address and bank details in one place • Copy everything in one tap or share it as text when a merchant asks for it YOUR DATA STAYS YOURS • No account needed; Sign in with Apple is optional • Everything is stored on your iPhone and, if you turn iCloud on, synced through your own iCloud account • No servers of our own, no ads, no analytics or tracking SDKs CONCH EXPENSE PRO • Custom currencies: export in one currency or keep original-currency totals • SAFE and Bank of China reference rates, manual rates, and saved conversion details • Ten more built-in expense types: Transit, Vehicle, Per Diem, Entertainment, Meeting, Training, Phone Bill, Office, Courier and Subscription • Custom expense types with your own fields, and custom claim statuses such as "Finance Review" or "Paid" • Five icon styles, or upload your own image as a type icon • Voice Entry: say one sentence in Mandarin and the expense is logged • Sync invoices from more than one mailbox (the free version links one) • Invoice title QR code, and adding a title by taking a photo of a business license or invoice • Email expense reports to your finance team from the export screen • Export Data: all your expenses in one Excel sheet, with the columns you choose Pro is available as a yearly subscription or a one-time lifetime purchase. Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period. You can manage or cancel it in Settings > Apple Account > Subscriptions. GOOD TO KNOW • Chinese yuan (¥) is the default currency; Pro supports custom expense currencies • Invoice recognition and Mailbox Sync are built for mainland China invoices; Voice Entry understands Mandarin • The app is available in English, Simplified Chinese and Traditional Chinese Terms of Use: https://baoxiao.magicalconch.com/en/terms.html Privacy Policy: https://baoxiao.magicalconch.com/en/privacy.html