Quaestor Ledger

A ledger for complicated money

Know the money facts before they happen.

Every morning I open one screen and read three numbers: how many days of cash I have, what I am really worth, and what is due. Thirty seconds, across 66 accounts at 18 institutions in four currencies on three continents. Then I close it.

I spent ten years and four apps looking for that screen. In the end I had to build it. Give me three minutes and I’ll show you what it does.

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My dashboard one morning in September: 66 active accounts reporting in USD, and Cash Outlook telling me I have about a day of liquid cash, a range of one to five days, medium confidence, and five quality notes it wants me to fix. It does not round that up to make me feel better.Names, institutions, currencies and balances shown are illustrative.

I run 66 accounts at 18 institutions in four currencies on three continents. Thirty-six of them are credit cards, and yes, I know. For ten years my old app synced them all and then filed my $13,878 card payment, paid from my own checking account, as an expense in some account it had nothing to do with. Every month. I spent fifteen hours a month fixing mistakes like that, and I dreaded opening the thing. Somewhere in year nine I realized I had become its unpaid bookkeeper, and it still couldn’t answer a simple question about my own money. So I built the app that could.

7 days free, then $12.99 a month or $89.99 a year. Card required, cancel anytime before your first payment.

Free trial for first-time customers; if your organization has subscribed before, the paid plan starts at checkout. Renews automatically until you cancel in Settings. Taxes may apply.

My own ledger, September 2026

live accounts
66
live bank connections
20
institutions on three continents
18
currencies, one net worth
4
credit cards
36
internal transfer pairs caught
97
transactions, back to May 2012
5,410
receipts on file
1,017
recurring payments tracked
54

A transfer is not a purchase.

Pay a card from checking and most apps put you on a $13,878 shopping spree. Quaestor pairs the debit with the credit and files the pair where it belongs: out of your spending, out of your burn rate, out of every report downstream. It has caught 97 of mine so far.

  • Matched by amount, date and account, then kept out of spending and burn rate.
  • Savings moves, card payments and brokerage funding count as transfers, not shopping.
  • Flagged something that isn’t one? One click says so. Nothing is deleted.
My transactions page filtered to transfers: a card autopay leaving checking and arriving on the card, both legs tagged, then a transfer I recorded by hand between two cards that share a nickname, and two more card payments, tagged the same way. None of them count as spending.Names, institutions, currencies and balances shown are illustrative.

Euros are not dollars.

Every account keeps its own currency. Your net worth is in the one you think in, converted at live rates, and last year’s report does not rewrite itself when the rate moves. Four currencies roll into one number on my dashboard every morning, and I have not done the arithmetic myself since.

  • 153 currencies, live rates between them, one main currency you pick once in Settings.
  • Past periods keep the rates they were recorded at. Last March stays last March.
  • A transfer between currencies still matches, on the converted amount.
My Accounts page grouped by institution: two foreign-currency banks above a US card issuer, every balance in its own currency, one total in mine. Sync is on where a bank can sync and off where it can’t; those come in by file.Names, institutions, currencies and balances shown are illustrative.

See where it went, on whatever screen you have.

Income on the left, accounts in the middle, where it actually went on the right, with internal transfers and loan payments pulled into lanes of their own so a card payment never masquerades as a category. It lives in a browser: the work laptop, your phone, an airport lounge. No Mac required. No file to sync.

  • Sixty days of inflow, outflow and net, by account and by category.
  • Internal transfers and loan payments get lanes of their own, never a spending category.
  • Any browser on any device, the locked-down work laptop included.

My 60-day money flow on a laptop and on a phone: inflow sources on the left, accounts in the middle, outflow categories on the right, internal transfers in a lane of their own. Same ledger, same numbers, nothing to install.

Names, institutions, currencies and balances shown are illustrative.

Ask. Don’t export.

“What did I really spend on restaurants last quarter, transfers excluded?” Ask your ledger. The answer comes from your own transactions, receipts and accounts, read-only and scoped to you, not from a CSV you built at eleven at night. A relative says I cross-examine money like a witness on the stand. Guilty. This is that cross-examination on demand.

  • Answers come from your transactions, receipts and accounts, nothing else.
  • Read-only. It can tell you about your money. It cannot touch it.
  • We never train AI on your financial data.
The assistant at the end of an answer about my cash outlook, over my dashboard: the figures in bold, why the forecast looks stressed, a three-point bottom line, and what it offers to dig into next. It calls its own result an estimate, not a guarantee.Names, institutions, currencies and balances shown are illustrative.

Your ledger writes to you.

Every week, the completed week and the outlook, in your inbox before you think to look. The Cash Outlook inside it is frozen at send time, so what you read on Monday is what was true on Monday.

  • The completed week: what came in, what went out, what it was for.
  • The outlook, with the same assumptions the dashboard shows.
  • Sent on your schedule, in your time zone. One click to unsubscribe.
The weekly briefing: the completed week, the outlook, and what is worth a look. This one is rendered from sample data and says so.Rendered from sample data.

The rest of it, briefly

Receipts become records: snap one and Quaestor reads the merchant, the line items, the tax, the tip, the total and the currency, then looks for the transaction it belongs to. I have 1,017 on file. Live sync covers 12,000-plus institutions in the United States and Canada through Plaid, read-only; everything else comes in by CSV or QIF with a mapping review, and my own ledger goes back to May 2012 that way, so yes, it holds history. And Cash Outlook, the panel at the top of this page, reads your real history and tells you how many days of liquid cash you have, as a range, with its assumptions written down, while you can still do something about it.

Read-only means read-only.

We can see your balances. We cannot touch them. Same goes for our AI. That is not a limitation. That is the design. Bank connections go through Plaid’s hosted flow, so we never see a bank password; the card you pay with lives at Stripe. We are paid by subscriptions and nothing else: no ads, no selling data, no commissions. We do not train AI on your financial data. Ever.

The short version is on the Security page. The long version is the Privacy Policy, and it says the same thing.

Why it’s called Quaestor

A quaestor was the Roman magistrate who kept the treasury. The name means money with accountability and authority in the same hands, and I chose it for a reason: authority without accountability is corruption. That applies to software too. Any app that can move your money has authority. Quaestor can read your money. It cannot touch it. And it answers for every number it shows you.

The longer version, with the ten years that led here, is on the About page.

What it costs

7 days free, then $12.99 a month or $89.99 a year. Less than one overdraft fee, or about 25 cents a day. Card required, cancel anytime before your first payment.

Go deeper on any of it.

Seven things the ledger does, each on its own page.

Leaving another app?

Start at the door with your old app’s name on it. The same ledger is behind every one.

Your spending report gets honest the first morning.

Connect what can sync, import what can’t, and open one screen tomorrow.

7 days free, then $12.99 a month or $89.99 a year. Card required, cancel anytime before your first payment.

Free trial for first-time customers; if your organization has subscribed before, the paid plan starts at checkout. Renews automatically until you cancel in Settings. Taxes may apply.

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