Groat is a private expense tracker with one job: record what you spent before you forget it. Type the amount, tap the category, done. No account, no bank login, and nothing leaves your phone.
TWO TAPS TO LOG AN EXPENSE
• The app opens on the keypad, not a dashboard
• Type the amount, tap the category, and the expense is saved
• Backdate to any day, or date ahead for a charge that is coming
• Add a note, or log income the same way
• Undo or edit straight from the confirmation
BUDGETS YOU CAN SEE WHILE YOU SPEND
• Set a monthly budget per category, or start from what you already spend
• Every category shows its budget as a thin line on the entry screen
• Type an amount and the line shows where it would land, turning red before you go over
• Committed finds the regular charges in your history and what they leave you each month
REPORTS AND HISTORY
• Day, month and year reports with a clear breakdown by category
• What changed: how this month compares with a normal one for you
• Your year: every day of the year as one map of when you spend
• History grouped by day, with search across every month by note, category or exact amount
• Repeat an entry weekly, monthly or yearly, and undo the whole run if you change your mind
ASK GROAT
Pull the screen down and ask about your money in your own words: what did I spend most on this month, am I inside my budgets, how does this compare with last month. Groat answers from your own entries and says when the answer is not in them.
This is the one part of Groat that goes online. Your question and a summary of your entries are sent to an AI provider only when you ask. The screen says so before the first question.
EXPORT AND IMPORT
• Export to CSV or Excel for any date range, with or without income
• The Excel file has real date and number cells, so sorting, filtering and pivot tables work the moment it opens, plus a category summary sheet
• Import a CSV and see the first rows exactly as they will be saved
STAYS OUT OF THE WAY
No account. No bank connection. No sync, no subscription, no ads, no analytics. Your expenses live in a database on your phone and go nowhere unless you export them yourself.
TOTALS THAT ARE ACTUALLY RIGHT
• Amounts are stored as whole cents, so a year of expenses adds up exactly
• Category percentages sum to 100, not 98
• Entries keep their own currency: a franc among euros stays a franc, and nothing is ever converted
• An expense is stamped with the calendar date you spent it, so it stays on that date when you travel
Light and dark, following your phone or pinned to either. Six starter categories, every one editable: name, icon and colour.
A groat is an English fourpenny coin, struck from 1279 and demonetised in 1856.
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