Kota (Formerly Yonder) vs Groat

Kota is your personal health insurance and pension companion - One app for global health and retirement from trusted local and international providers. Local Health Insurance and Retirement: - In 160+ countries - From trusted providers - Set up in minutes How it works: 1. Link your account 
to your employer. Join your company 
benefits plan. 2. Enrol in health
 and dental. Choose from local or 
international insurers. 3. Plan for retirement. Set up and contribute to your pension. 4. Manage from one place. Control your financial 
future for free. Redefine how you and your employees connect to health insurance and pensions. Quick setup, simple integration. All you need is our app.

Groat is an expense tracker with one job: record what you spent before you forget it. Type the amount. Tap the category. Done — two taps, from the screen the app opens on. WHAT IT DOES • Log an expense or income in two taps, from the screen the app opens on — a receipt, Edit and Undo follow right away • Or just say it: "twelve fifty on groceries yesterday" appears as you talk and becomes an entry you confirm with one tap • Add where it was spent: pick the shop from the places around you, and see it on a small map • Investments — stocks, bonds, funds — recorded on their own, never counted as spending • Date an entry to any day, past or ahead, and add a note when you want one • Day, month and year reports: where it went by category, in, out and net, your average month, and your year as a heatmap • A budget per category, with the line in sight while you type • Schedules for rent and subscriptions, recorded when they fall due • Several currencies, each kept apart — nothing is ever converted • Search every month, export to CSV or Excel, import a CSV or TSV • Ask Groat: ask about your money in your own words and get the figure, a short answer and a chart, from your whole history • Paper and Ink: light and dark, following your phone or pinned to either • In nine languages 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. They leave it only when you export them, or when you ask Groat a question — and then only a summary, which nobody keeps. TOTALS THAT ARE ACTUALLY RIGHT Amounts are stored as whole cents rather than decimals that drift, so a year of expenses adds up exactly. Category percentages are worked out to sum to 100 instead of to 98. An expense is stamped with the calendar date you spent it, so it stays on that date when you travel. EXPORTS THAT OPEN PROPERLY The Excel export carries real date and number cells, so sorting, filtering and pivot tables work the moment the file opens — and it includes a category summary sheet alongside the raw expenses. The CSV is plain and unambiguous, and opens correctly in Excel on Windows as well as everywhere else. A groat is an English fourpenny coin, struck from 1279 and demonetised in 1856.