ShinePay vs Expense Tracker

ShinePay allows you to pay for laundry, EV Charger, and other appliances with an app.

Murmur is the fastest way to know where your money goes. Say it once and it's filed: "twelve fifty at Chipotle" becomes a categorized expense before your phone is back in your pocket. No bank logins. No spreadsheets. No forms. SPEAK, AND IT'S FILED One tap, one sentence. Murmur hears the amount, the place and the category, in your language, and files it instantly. Income too: say what you earned and it lands on the right side of the ledger. PAY, AND IT CAPTURES ITSELF Set up one Shortcuts automation (Murmur walks you through it) and every purchase you make with your iPhone's wallet logs itself: amount, merchant, logo and category, with a quiet notification you can edit in one tap. Even pay-at-pump purchases that report no amount get parked and resolved, never lost. SEE THE MONTH CLEARLY Insights shows what you spent, how it compares to last month, where it went by category, and highlights that matter: an upcoming bill, a budget running hot, a purchase that is 8x your usual. BUDGETS AND RECURRING Set a budget and watch the daily pace. Recurring bills and income are first-class: Murmur knows what is coming and what is left after it. 14 DAYS OF PLUS, NO CARD Every new account starts with 14 days of Murmur Plus, no card needed: Ask Murmur, the desktop app, automatic recurring detection and the reports. After that, logging stays free for as long as you want, and Plus is there when you want the whole picture. ASK MURMUR (PLUS) Ask anything about your own numbers: "how am I doing against my budget?", "what should I cancel?" Answers come from your data, instantly. YOUR DATA IS YOURS Murmur never connects to your bank. Your voice is turned into text on your phone whenever the device supports it, and audio is never stored. Export everything or erase everything, anytime. EVERYWHERE YOU ARE Murmur syncs across iPhone and the web dashboard at itsmurmur.com. Murmur Plus adds the Mac and Windows apps. MURMUR PLUS Logging stays free forever, with 3 Ask Murmur questions a month. Murmur Plus adds unlimited Ask Murmur, your full history and forecast, automatic recurring detection, formatted reports (CSV, PDF) and the Mac and Windows apps, and can be shared with your family through Family Sharing. Monthly or yearly, both with a 7-day free trial. Prices are shown in the app before you subscribe. Subscriptions renew automatically unless cancelled at least 24 hours before the period ends, and are managed in your App Store account settings. Terms of Service: https://itsmurmur.com/terms Privacy Policy: https://itsmurmur.com/privacy