✦ The AI ledger for complex finances

Stop fighting with basic budgeting apps.

Quaestor Ledger pairs AI with a proprietary transfer-detection engine to instantly untangle internal transfers, visualize your true cash flow, model where liquid cash may be heading, and answer complex questions about your spending across 50+ accounts and multiple currencies.

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AI cash-flow chatInteractive Sankey mapsTransfer-aware burn rateDeterministic Cash OutlookLive FX rates50+ account scaleRead-only bank access

50+ account view

Designed for people whose financial life spans many institutions, account types, and currencies.

AI chat agent

Ask complex questions about spend, subscriptions, transfers, and cash flow without exporting data.

Multi-currency net worth

Track USD, EGP, and other balances in one exchange-aware dashboard.

Financial Intelligence

Sankey clarity meets conversational analysis

See true cash flow beside AI answers, with account balances masked as $*** for privacy-first screenshots.

Quaestor Ledger dashboard with masked balances, money-flow Sankey, and an AI chat answer about adjusted spending.

Privacy mask onSankey mapsAI cash-flow chat

Heuristic Engine

See your actual burn rate.

Moving money to savings isn't an expense. Our transfer-detection engine automatically flags internal transfers and filters them out so you see your true adjusted spend.

Quaestor Ledger transactions table highlighting possible internal transfers across accounts.

Privacy first

Read-only by design. Your data stays yours.

We connect to your banks read-only and do not use your financial data to train AI systems. AI services are configured to restrict training use where available. See our Security page for the short trust version.

See the workflow

Visual cash flow. Zero pivot tables required.

Whether you have 3 accounts or 100, Quaestor Ledger aggregates your entire financial footprint into beautiful, actionable dashboards.

The Outlook

Model where liquid cash may be heading.

Use eligible ledger history to see monthly movement, a modeled runway range, confidence, and the assumptions behind the projection.

Dashboard projection

Illustrative synthetic sample data

Deterministic model

Illustrative Quaestor Ledger Cash Outlook using synthetic sample data, with liquid cash, monthly movement, a projection range, runway, and confidence.

Briefings & Notifications

Let your ledger bring important context to you.

Receive important financial context from your ledger in a clear briefing, including the completed week and Cash Outlook.

Current briefing · Weekly

Illustrative synthetic sample data

Briefing preview

Illustrative Quaestor Ledger weekly briefing email using synthetic sample data, with completed-week cash flow, Cash Outlook, a forecast chart, and review links.

The Chat

Don't export a CSV. Just ask your ledger.

Stop building pivot tables. Ask Quaestor Intelligence to find your biggest recurring expenses or identify subscription creep via chat.

Quaestor Intelligence answering a receipt and transaction matching question in chat.

The Flow

Interactive Sankey Diagrams.

Watch exactly how your money flows from income, to assets, to real expenses in a dynamic money map.

Quaestor Ledger dashboard with cash-flow charts, an interactive money-flow Sankey diagram, and upcoming payments.

The Multi-Currency

Native Multi-Currency Tracking.

Earn in USD, spend in EGP. Track your global net worth without doing mental math or breaking historical charts.

Quaestor Ledger dashboard showing EGP net worth and cash-flow totals.

Quaestor Ledger preferences panel for choosing the main currency.

The Receipts

Smart Receipt Parsing.

Snap a photo and let AI extract the merchant, line items, and totals instantly.

Quaestor Ledger receipt detail view with AI-extracted merchant, categories, and line items.

Why it matters

The ledger built for complex wealth.

If you've outgrown Monarch, YNAB, and spreadsheets, you're in the right place.

50+ Account Scale

Connect checking, savings, credit cards, investments, loans, cash, and more without turning your dashboard into a spreadsheet maze.

Live FX Rates

Track global net worth across USD, EGP, EUR, and beyond with exchange-aware balances and historical reporting.

Automatic Transfer Detection

Detect money moving between checking, savings, cards, and brokerages so internal transfers do not inflate your spend.

12,000+ Plaid Institutions

Use read-only Plaid connections to aggregate mainstream banks, credit cards, brokerages, and loan accounts.

AI Receipt Parsing

Snap or upload a receipt and let AI extract the merchant, line items, taxes, tips, totals, and currency for review.

Receipt-to-Transaction Matching

Automatically connect receipt proof to the matching bank or card transaction, then surface anything still unmatched.

Cash Outlook

Model eligible liquid cash, monthly movement, and an estimated runway range with a deterministic projection grounded in your ledger.

Briefings & Notifications

Briefings & Notifications brings ledger updates to you, beginning with a weekly briefing that combines completed-week cash flow and a frozen Cash Outlook.

Explore the platform

Go deeper on what Quaestor Ledger does.

Seven capabilities built for complex, multi-currency finances — explore each in detail.

AI chat assistant

Ask questions about your own ledger and receipts — read-only and scoped to your data.

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Multi-currency net worth

Track net worth across currencies with live FX and per-account currencies.

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Transfer detection

Keep internal transfers out of your real spending and burn rate, automatically.

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Cash Outlook & runway

Project liquid cash, monthly burn, and modeled runway with visible confidence and assumptions.

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Briefings & Notifications

Ledger updates delivered with context, beginning with a configurable weekly financial briefing.

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Receipt matching

AI-parsed receipts matched to the right bank or card transaction.

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Bank sync

Read-only Plaid bank sync across 12,000+ institutions, built for 50+ accounts.

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Comparevs Monarch Money vs YNAB vs Copilot Money Banktivity alternative

Founder note

Why I built Quaestor Ledger:

"I was a dedicated Banktivity user for over a decade. I tried Monarch, Copilot, and YNAB. But none of them could handle my life: dozens of accounts, multiple currencies, and complex cash flow. I spent hours manually untangling internal transfers just to see my real run rate. I built Quaestor Ledger to automate the heavy lifting. If you have complex finances, this is the dashboard you've been waiting for."

Pricing

Two paid plans. One full product.

Choose monthly or yearly billing for the same financial intelligence dashboard: bank sync, AI chat, transfer-aware cash flow, deterministic Cash Outlook, multi-currency reporting, and smart receipt parsing.

Start your 7-day free trial. Card required, but you won't be charged today. Cancel anytime.

Monthly

7-day free trial, then billed monthly.

Flexible

Price at checkout

Best if you want the full workflow now with the lowest commitment.

Yearly

7-day free trial, then billed annually.

Best value

Price at checkout

Best if Quaestor Ledger is becoming your day-to-day system for complex cash flow, AI analysis, and multi-account visibility.

What users unlock

Both plans include the same core intelligence layer for serious personal finance.

AI chat for complex spending, cash flow, and recurring expense questions

Internal transfer detection for true adjusted spend and burn rate

Interactive Sankey diagrams for visual money flow

Deterministic Cash Outlook with liquid-cash projection, modeled runway, confidence, and drivers

50+ account scale with read-only bank sync where supported

Live FX and native multi-currency tracking across the ledger

Smart receipt parsing with merchant, line item, and total extraction