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.
Places, voice, investments and your average month —
all of it counted the same careful way.
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.
Say an entry — “twelve fifty on groceries yesterday” — and confirm it with a tap. Or ask about your money in your own words: Groat reads your whole history, leads with the figure, and draws a chart when it helps.
New in Groat 1.8Online and only when you ask: your question, or the words you say, and a summary of your entries go to an AI model for an answer. No audio is recorded or sent, and nothing is kept.
You spent €85 eating out this month, compared with €110 last month.
That’s €25 less. A little more room.Add the shop or café to an entry, picked from the places around you, and see it on a small map. Places come from Apple Maps on your iPhone and stay with your entries.
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.
Speak an entry in any of nine languages and watch the words appear as you talk. Groat fills in the amount, category and day; you confirm.
Stocks, bonds and funds have their own tab, and are never counted as spending.
What a normal month costs, in total and for each category — and how this one compares.
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 of your entries only when you ask a question, and nobody keeps it. A place you add to an entry is looked up with Apple Maps and kept only on your phone.
Our approach to privacyFree. No account to create.