Do I have to write rules?

No. Quaestor has no rules screen. Suggestions are on from the day you sign up, and one checkbox in Settings turns them off.

Will it change my transactions without asking?

No. A suggestion changes nothing. The category is set when you click Accept, and not a moment before. Dismiss it and the transaction stays exactly as it was.

Which categories does it use?

The ones in your ledger. A suggestion names a category from the same list you pick from by hand, including the categories you made up yourself. It never invents a new one.

How do I know when to trust one?

Each suggestion says how sure the ledger is, High confidence or Medium confidence, right beside the category. Either way, nothing is set until you accept it.

Does every transaction get a suggestion?

No, and that is on purpose. The ledger suggests when it has something worth saying and stays quiet when it does not. A transaction with no suggestion is still yours to file the usual way.

Category suggestions

No rules to write.

I was never going to write rules. A rule is a small program about your own shopping, and the store renames itself on your statement the week after you finish it. So Quaestor has no rules screen. It has one checkbox.

The day I ticked it, 172 suggestions were waiting on my uncategorized transactions, each one saying how sure the ledger was. I accept the ones that are right. Here is what that looks like.

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Quaestor Ledger Transactions page in Sample Mode: six transactions with no category, each showing a suggested category, a High confidence or Medium confidence label, and Accept and Dismiss buttons, with an Accept 6 Suggestions button above the table. — The Transactions page on a sample ledger: six transactions that had no category, each with a suggested category, how sure the ledger is, and Accept and Dismiss beside it. The button above the table accepts all six in one click.Rendered from sample data.

One checkbox. That is the setup.

There is nothing to configure: no patterns, no priorities, no order of evaluation. A new ledger starts with the box already ticked. After a transaction has sat a few days with no category, the ledger can suggest one, and it picks from your ledger’s category list, the same one you pick from by hand.

On from the day you sign up. One checkbox in Settings turns it off.
Suggestions use the categories in your ledger, including the ones you made up yourself.
It does not guess at everything. Some transactions get no suggestion, and those are still yours to file.

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

It suggests. You decide.

A suggestion is not a decision. It sits beside the transaction with a category and how sure the ledger is, and it waits. Until you click Accept, nothing in your ledger has changed: not the transaction, not your spending, not your outlook. I built it that way on purpose. A category I never chose, sitting in a report I rely on, is worse than an empty one.

Every suggestion says how sure it is: High confidence or Medium confidence.
Accept takes one click. Filter to the transactions that have a suggestion, and when several can go together, one button accepts them.
Dismiss one and it stays dismissed. Nothing is deleted.

What a suggestion shows

The category: One from your ledger’s list, shown beside the transaction it is for.
How sure it is: High confidence or Medium confidence, in words. No score to decode.
Accept: One click sets the category. Until then nothing has changed.
Dismiss: One click and it is gone. It does not come back for that transaction.

Why I care about an empty category

Everything in Quaestor that tells you where the money went reads your categories: the money flow on the dashboard, the spending breakdown, the answers the assistant gives. A transaction with no category is a hole in all three. Holes are how a ledger goes stale, and a stale ledger is how you end up back in a spreadsheet at the end of the year. Suggestions close the holes at the speed of a click.

Frequently asked questions

Do I have to write rules?: No. Quaestor has no rules screen. Suggestions are on from the day you sign up, and one checkbox in Settings turns them off.
Will it change my transactions without asking?: No. A suggestion changes nothing. The category is set when you click Accept, and not a moment before. Dismiss it and the transaction stays exactly as it was.
Which categories does it use?: The ones in your ledger. A suggestion names a category from the same list you pick from by hand, including the categories you made up yourself. It never invents a new one.
How do I know when to trust one?: Each suggestion says how sure the ledger is, High confidence or Medium confidence, right beside the category. Either way, nothing is set until you accept it.
Does every transaction get a suggestion?: No, and that is on purpose. The ledger suggests when it has something worth saying and stays quiet when it does not. A transaction with no suggestion is still yours to file the usual way.

Keep exploring

Stop writing rules for your own money.

Connect your accounts and get on with your day. The suggestions come to you, and nothing changes until you say so.

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.