Quaestor Ledger

Multi-currency net worth tracker

Euros are not dollars. Your multi-currency net worth should know that.

I run 60-plus 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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My dashboard: all my 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.
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.
My four totals: net worth is assets minus liabilities to the cent, across 60-plus 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.
Settings: the one place you choose the currency everything rolls up to.Names, institutions, currencies and balances shown are illustrative.

What goes wrong when a ledger assumes one currency

A ledger built around a single currency leaves you with two bad choices the first time you hold euros or pounds alongside dollars: type converted dollar figures by hand on every foreign row, or let today’s spot rate reprice your whole history so last spring’s spending shifts every morning. Move money between a dollar checking account and a foreign account and it looks like a spending spike in one place and phantom income in the other.

In Quaestor, currency belongs to the account, not only to the profile. Each account keeps its own currency (any of 153), past transactions keep the rate from the date they happened, and cross-currency transfer detection pairs both legs on the converted amount between two synced accounts. During setup, choosing Show me a sample opens a made-up ledger with accounts in several currencies, each shown in its own currency and added up in yours, before you connect a bank.

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. Fifteen 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 later and a background pass re-converts your transactions at each row’s own date, while every original amount stays untouched. The net worth history chart is the one exception: days recorded before the switch show as a gap, so the chart starts again from the next day it records in the new currency.
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. 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.
Can I enter my own exchange rate when my bank used a different rate?
Yes, in two places. Record a transfer between accounts in different currencies and the form starts from the provider rate for that day; change it to the rate your bank used, and that transfer keeps its rate even if you later change your main currency. Import a CSV or QIF file into an account in another currency and you can type one rate for the whole file instead of the provider rate for each row’s date; a rate typed there is replaced by the provider’s if you later change your main currency.
How does the net worth history chart handle accounts in several currencies?
Each day’s snapshot records every active account’s value in its own currency alongside that day’s exchange rate and converted value in your main currency. Past days are never rebuilt from today’s balances or today’s exchange rates, and if an account’s value or rate is missing on a day, the chart leaves an honest gap instead of plotting zero.

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.