Type an amount, tap a category, done. Logging a purchase takes two gestures, and nothing leaves your phone.
No accounts. No bank logins. No cloud to sync with.
Most budgeting apps buy convenience with your bank login and sell you back a chart.
We made that one part fast, and left the rest out.
Two gestures, from the screen the app opens on. Add a note or change the date when you need to; the line under each category shows what the entry would do to its budget.
Every entry can be edited, undone, and found again.
Budgets, repeats, currencies and a question answered —
all of it still on your phone.
Set a monthly figure, or take the one Groat proposes from six months of history. The line under each category shows where the next entry would leave you.
A schedule records rent or a subscription each time it comes round, the next time you open Groat — never ahead of time. Pause or stop it whenever you like.
Each entry keeps its currency, right through reports, budgets, and exports. Separate totals. No silent conversions.
The busy weeks, the quiet days and the biggest day of the year, on one screen. Tap a day to open the record.
Compare months, check your budgets, or ask where most of your money went. Open Ask / Search at the top of any page, ask, and Groat answers from your own entries — and says so when the answer isn’t in them.
New in Groat 1.4Optional and online: you first see exactly what would be sent — your question and a summary of your entries — to an AI model for an answer.
You spent €85 eating out this month, compared with €110 last month.
That’s €25 less. A little more room.Search notes, categories, and exact amounts across your whole history.
Preview a CSV or TSV import. Export your entries to CSV or Excel, for any date range.
English, Spanish, French, Portuguese, German, Dutch, Chinese and Japanese. Dates and numbers follow along.
A groat was an English fourpenny coin, struck from 1279 and retired in 1856. Your entries live in a database on your phone and go nowhere else unless you export them yourself — no account to create, no bank credentials to hand over, no cloud to sync with. Ask Groat sends a summary only when you ask, after showing it to you.
Our approach to privacyFree. No account to create.