Feature
Multi-currency net worth with live FX
Quaestor Ledger gives every account its own native currency and converts everything to a base currency with live FX — so you see one accurate net worth across all your currencies, without spreadsheets or manual conversions.
Card required at signup.
In short: Each account keeps its native currency, and Quaestor Ledger converts balances and transactions to your chosen base currency using live FX rates. Net worth, spending, and a money-flow Sankey all roll up across currencies, and historical reporting stays stable as rates move.
How it works
You set a base currency, and every account carries its own native currency. Quaestor Ledger converts each balance and transaction into your base currency using live FX rates, so a single view reflects holdings in dollars, euros, pounds, or any mix at once.
- Per-account currencies. An account denominated in EUR stays in EUR; another in USD stays in USD. Original amounts are preserved, not overwritten.
- Live FX to a base currency. Balances and transactions are converted to your base currency at live rates, so totals reflect current value.
- Net worth across currencies. Holdings in different currencies are combined into one net-worth figure in your base currency.
- Historical reporting that doesn’t break. Past periods stay consistent as rates change, so a move in today’s rate doesn’t rewrite last month’s numbers.
- Money-flow Sankey. A Sankey diagram shows how money flows between income, accounts, and spending across currencies, unified in your base currency.
| Capability | Quaestor Ledger | Most budgeting apps |
|---|---|---|
| Per-account native currencies | ||
| Live FX conversion to a base currency | ||
| Net worth combined across currencies | Single currency | |
| Stable historical reporting as rates move | Varies | |
| Cross-currency money-flow Sankey |
Who it's for
People whose money lives in more than one currency and who want a single, honest picture of it all.
- Expats and relocators holding accounts in both their home and current country.
- Cross-border earners and freelancers paid in foreign currencies who need to see real value in their base currency.
- Anyone holding multiple currencies — travel, investments, or family abroad — who is tired of mentally converting between separate apps.
Frequently asked questions
- How does Quaestor Ledger handle multiple currencies?
- Each account holds its own native currency, and Quaestor Ledger converts balances and transactions to a base currency you choose using live FX rates. Your net worth, spending, and reports all roll up into that single base currency while keeping the original amounts intact.
- Can I see my total net worth across different currencies?
- Yes. Balances held in different currencies are converted to your base currency at live FX rates and combined into one net-worth figure, so you can see your full financial picture without doing the conversions by hand.
- Do historical reports change when exchange rates move?
- No. Historical reporting is anchored so past periods stay consistent as rates move. A change in today’s exchange rate does not rewrite what your spending or net worth looked like in an earlier month.
- What is the money-flow Sankey?
- It is a Sankey diagram that visualizes how money moves between your income, accounts, and spending. It works across currencies, so cross-border flows are shown together in your base currency rather than split into separate currency silos.
- Who is multi-currency support for?
- Expats, cross-border earners, freelancers paid in foreign currencies, and anyone holding accounts in more than one currency. If you currently maintain separate apps or spreadsheets per currency, this brings everything into one ledger.
Keep exploring
See your whole net worth in one currency
Connect accounts in any currency and let Quaestor Ledger convert and combine them with live FX.