Quaestor Ledger

Copilot Money alternative on any device

Outgrown Copilot? Your money did. So did your devices.

Give me three minutes. I’m going to show you why people outgrow Copilot when their money isn’t all in dollars or their phone isn’t an iPhone, why I spent ten years in Banktivity and a lap through the modern apps before building my own, and what changes when your ledger lives in a browser tab. If you have one bank and one currency, keep your app and enjoy your afternoon. If you have more than that, read on.

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.

Leaving another app? Bring the history. Keep the evening. Fifteen years of my own records came over in one move, so yours is not going to scare me. On the annual plan I carry the boxes myself, inside your trial, and you see the whole move before it lands. Ask before you start the trial: one email, no files, no passwords.

How it works, and how to ask

The same ledger on my laptop and on my phone: a browser tab, no app store, no Mac required.

Names, institutions, currencies and balances shown are illustrative.

I run 60-plus accounts at 15-plus institutions in four currencies on three continents. More than thirty 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.

Why people leave Copilot

Two reasons, and they are usually the same person. One: you have an account that isn’t in US dollars, and an app that only speaks USD either leaves it out or lies about the total. Two: your phone is an Android and there is no app for it, so your finances live on your laptop and nowhere else.

Your money does not belong to an app store. Quaestor runs in a browser tab on whatever you are holding, keeps every account in its own currency across 153 currencies, and converts at live rates into the one you think in.

Built for any browser tab and a multi-currency life

I check my money on whatever is in front of me: a laptop, my phone, the desk at home. So the ledger lives where all of them can open it.

One full ledger in any browser: laptop, Android, iPhone or Mac.

Nothing to install and no cut-down mobile companion. Open a browser tab on Windows, Linux, macOS, Android or iOS and you get the same personal finance ledger: the dashboard, the 60-day money flow, transfer review, receipts and the read-only assistant. When I do my thirty-second morning check from a phone, I am looking at the exact same ledger I read at my desk.

Snap a receipt from your phone in one tap, with every line item read.

I have 1,100-plus receipts in my ledger and haven’t typed a single line item by hand. From my phone’s camera button or a one-tap share-sheet shortcut on iOS or Android, receipt matching extracts the store, date, tax, total, currency and each item with a category from my own list, then looks for the card charge it belongs to.

Coins you hold in a wallet or exchange, priced daily with nothing connected.

If you hold coins at an exchange or in a hardware wallet, you don’t have to link a wallet or hand over an API key. On the Investments page, you pick the coin and enter the quantity once; Quaestor prices it daily and folds it into your main-currency net worth beside your bank and brokerage accounts, with nothing connected that could ever move a cent.

10 reasons your money needs a ledger, not another budget

  1. A transfer is not a purchase.

    Pay your card from checking and most apps put you on a $13,878 shopping spree. Quaestor matches both legs by amount, date and account and keeps them out of spending and burn rate. It has caught 100-plus of mine so far. Flagged something that isn’t a transfer? One click says so.

    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. The Matched column is about receipts.Names, institutions, currencies and balances shown are illustrative.

  2. Euros are not dollars.

    Every account keeps its own currency. Your net worth is in the one you think in, converted at live rates. Last year’s report does not rewrite itself when the rate moves.

  3. A net worth you’d swear to.

    Every bank, card, loan and investment on one screen. 12,000-plus institutions through Plaid.

  4. 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.

  5. Your bank statements are not a study guide.

    We do not train AI on your financial data. Ever.

  6. Ask. Don’t export.

    “What did I really spend on restaurants last quarter, transfers excluded?” Ask your ledger. The answer comes from your data, not from a CSV you built at eleven at night.

  7. Receipts become records.

    Snap it. Quaestor reads the merchant, the line items, the tax, the tip, the total and the currency, then matches it to the card transaction it belongs to, or leaves it for you to confirm when it isn’t sure.

  8. Know the money facts before they happen.

    A budgeting app that tells you on the 31st that you spent $4,000 more than you should have is not worth its air. It’s insulting. Cash Outlook reads your real history and tells you how many days of liquid cash you have, as a range, with the assumptions written down, while you can still do something about it.

    Cash Outlook: liquid cash, monthly inflow and outflow, the projection, and the runway as a range. This one is rendered from sample data and says so.Rendered from sample data.

  9. Your ledger writes to you.

    Every week, the completed week and the outlook, in your inbox, before you think to look.

    The weekly briefing email: the completed week, the outlook, and what is worth a look. Sample data, labelled as such.Rendered from sample data.

  10. It lives in a browser.

    Work laptop, phone, an airport lounge. No Mac required. No file to sync.

The morning check

First thing every morning I open the dashboard and look at three numbers: cash outlook, real net worth, and what’s due. If a category suggestion, a transfer candidate, an unlinked receipt or a bank login needs my call, Waiting for review counts it on the same screen and disappears the moment the list is clear. Thirty seconds. Then I close it. That is the whole point of a ledger you trust. It gives you your attention back.

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.

Bringing your history over

Export your Copilot transactions to CSV and import them into Quaestor from any browser, one account per file, up to 2,000 rows, with a preview before a single row is created, or ask for Assisted Migration below. Live read-only sync through Plaid covers 12,000-plus institutions in the United States and Canada; banks abroad come in by CSV or QIF in their own currency, and automatic transfer pairing needs both legs live-synced, so a transfer that touches an imported row you record yourself, in place of the imported legs.

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.

A few lines on money I keep coming back to

“Annual income twenty pounds, annual expenditure nineteen nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery.”
Dickens, through Mr. Micawber
“Beware of little expenses; a small leak will sink a great ship.”
Benjamin Franklin
“You cross-examine money like a witness on the stand.”
A relative of mine, not entirely as a compliment

Guilty. Quaestor is that cross-examination, running every day, across 60-plus accounts, without me.

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.

Frequently asked questions

Can I put Quaestor on my phone’s home screen?
Yes. Add Quaestor to your home screen from the browser and it opens straight to your dashboard like an app, without the address bar, on Android and iPhone alike, with no app store in between.
How does the phone share-sheet shortcut authenticate without exposing my login?
In Mobile Setup you generate a dedicated upload token that only has permission to drop an image into your receipt inbox. I paste that token into my iPhone Shortcut or Android share shortcut once, and if I ever replace my phone I can revoke that token on the same page in two seconds.
What happens when I photograph a foreign-currency receipt on a trip?
The reader pulls the printed currency off the paper receipt and widens its amount check when my card was billed in another currency after conversion. When one transaction is the clear match by amount, date and merchant, it links itself; otherwise it waits on my Receipts page with the closest candidates.
Can I hide my balances when I open the ledger on a train or in a coffee shop?
Yes, because I think you should be able to check a transaction in public without flashing your net worth to the seat next to you. One click on the privacy toggle in the header masks every amount, account number suffix and chart figure across the dashboard, Accounts, Transactions, Investments, Receipts and chat until you switch it back off.

Keep exploring