numerate vs sum up

numerate is an adjective but sum up is not an adjective.

Word	Noun	Adjective	Verb	Adverb
numerate	No	Yes	Yes	No
sum up	No	No	Yes	No

As verbs, sum up is a hyponym of numerate; that is, sum up is a word with a more specific, narrower meaning than numerate:

Other hyponyms of numerate include recount, miscount, census, add, add together, add up, sum, summate, tally, tot, tot up, total, tote up.

numerate (adjective)	sum up (adjective)
able to understand and use numbers

numerate (verb)	sum up (verb)
read out loud as words written numbers	give a summary (of)
determine the number or amount of	determine the sum of
	be a summary of