Do I have to pick one currency?

You pick the one you think in, once, in Settings, and that is what totals, net worth and the weekly briefing report in. Every account keeps its own currency underneath. Change your main currency and the whole ledger follows; nothing is rewritten.

What happens when exchange rates move?

Today’s totals use today’s rates, refreshed on their own. Past periods keep the rates they were recorded at, so a move in the dollar this morning does not change what last March looked like. Rates you typed in yourself are refreshed only if you change your main currency. If a rate is missing, the dashboard says so instead of guessing.

My bank is outside the US and Canada. Can I still use it?

Yes. Live sync covers US and Canadian banks through Plaid. Everything else comes in by CSV or QIF with a mapping review, up to 2,000 rows per file, and gets the same currency handling and answers from the assistant. 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. One of my banks overseas comes in that way.

Multi-currency net worth

Euros are not dollars. Your net worth should know that.

I run 66 accounts in four currencies on three continents. Every one of them keeps its own currency, and every morning they roll up into one number I trust, in the currency I think in. Here is exactly how it works, on my own dashboard.

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Quaestor Ledger dashboard: sidebar, the Cash Outlook panel with liquid cash, monthly inflow, gross outflow and net burn rate, a balance projection chart, and an estimated cash runway of 1 day with a 1 to 5 day range at medium confidence and five quality notes. — My dashboard: 66 active accounts in four currencies, reporting in the one I think in. Cash Outlook says one day at medium confidence and lists what it wants me to fix. It tells me what it sees.Names, institutions, currencies and balances shown are illustrative.

Every account keeps its own currency

A franc account stays in francs. A euro account stays in euros. Quaestor never rewrites an amount; it converts for totals and leaves the record alone.

153 currencies, with live rates between them.
Live sync through Plaid, or CSV and QIF import, and the currency is set per account either way.
Change the currency you report in and the whole ledger follows.

Quaestor Ledger Accounts page grouped by institution: a total balance reported in USD, then two foreign-currency banks and a US card issuer, each account with its own currency and sync status; the synced checking account shows ledger, bank and drift balances and the file-fed accounts a ledger balance only. — My Accounts page, grouped by institution: two foreign-currency banks above the US cards, every balance in its own currency, one total in mine. The rest of the ledger is further down the same page.Names, institutions, currencies and balances shown are illustrative.

One net worth you’d swear to

Assets minus liabilities across every bank, card, loan and investment, converted at live rates into your main currency. The 60-day cash flow and the money flow use the same conversion, so a transfer between my dollar account and a foreign-currency account is a transfer, not income.

Pick the currency you think in once, in Settings.
Rates refresh on their own. If one is missing, the dashboard tells you instead of guessing.
Internal transfers are routed separately, even across currencies.

Quaestor Ledger dashboard totals: net worth, 60-day cash flow, total assets and total liabilities, each with its supporting figures, reported in the main currency. — My four totals: net worth is assets minus liabilities to the cent, across 66 accounts in four currencies converted at live rates. The red one counts too.Names, institutions, currencies and balances shown are illustrative.

Last year does not rewrite itself

Today’s totals use today’s rates. Past periods keep the rates they were recorded at, so a move in the dollar this morning does not change what last March looked like. The reports you already read stay the reports you read.

Historical reporting stays put as rates move.
Original amounts are never overwritten.
Ask the assistant what you really spent in a month and the answer comes back in one currency, transfers excluded.

Quaestor Ledger Settings, Preferences panel: Main Currency set to USD - US Dollar with a Save button, the time zone that schedules every email, and the Light, Dark and System theme choice. — Settings: the one place you choose the currency everything rolls up to.Names, institutions, currencies and balances shown are illustrative.

Bringing in the accounts that can’t sync

Live sync covers banks in the United States and Canada through Plaid, 12,000-plus institutions. One of my banks overseas cannot sync, so it comes in by CSV with a mapping review, up to 2,000 rows per file, and gets the same currency handling and the same answers from the assistant. Automatic transfer pairing needs both legs live-synced, so the transfers that touch that account I record myself, in place of the imported legs. Fourteen years of my own history live in this ledger, back to May 2012.

Frequently asked questions

Do I have to pick one currency?: You pick the one you think in, once, in Settings, and that is what totals, net worth and the weekly briefing report in. Every account keeps its own currency underneath. Change your main currency and the whole ledger follows; nothing is rewritten.
What happens when exchange rates move?: Today’s totals use today’s rates, refreshed on their own. Past periods keep the rates they were recorded at, so a move in the dollar this morning does not change what last March looked like. Rates you typed in yourself are refreshed only if you change your main currency. If a rate is missing, the dashboard says so instead of guessing.
My bank is outside the US and Canada. Can I still use it?: Yes. Live sync covers US and Canadian banks through Plaid. Everything else comes in by CSV or QIF with a mapping review, up to 2,000 rows per file, and gets the same currency handling and answers from the assistant. 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. One of my banks overseas comes in that way.

Keep exploring

One number you can trust, in the currency you think in.

Connect what can sync, import what can’t, and stop doing the app’s arithmetic for it.

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.