Quaestor Ledger

A read-only ledger for multi-currency complexity

Quaestor Ledger is a personal finance ledger built by SilkTech, LLC, for people managing complicated money across many accounts and currencies. Open one screen every morning and see three numbers: liquid cash on hand, net worth, and what is due. The creator spent ten years frustrated with another app, fixing its mistakes fifteen hours a month, and built this tool after realizing he had become its unpaid bookkeeper.

Quaestor Ledger is read-only. It can show your balances but cannot move money. This is deliberate design: "We can see your balances. We cannot touch them." The app is incapable of accidentally authorizing transfers or sending payments. It is an observer, not an agent.

The product is not a budget or spending tracker. It is a daily cash-position tool that also computes multi-currency net worth and flags internal transfers so they do not masquerade as spending.

Plaid for 12,000-plus institutions, CSV or QIF for everything else

Quaestor Ledger syncs to 12,000-plus institutions in the United States and Canada through Plaid. The connection is read-only: "Live sync covers 12,000-plus institutions in the United States and Canada through Plaid, read-only." That means the app can see your balances but cannot authorize payments or transfers.

If your bank does not sync through Plaid, you can import by CSV or QIF file with a mapping review. The site describes this as the fallback: "everything else comes in by CSV or QIF with a mapping review." This is not theoretical: the creator's own ledger goes back to May 2012 because he imported years of history that way. Quaestor can backfill your ledger from a decade of CSV imports if you have the data.

Synced balances update automatically through Plaid's hosted flow. The page specifies: "Bank connections go through Plaid's hosted flow, so we never see a bank password." This means the app never stores your login credentials; Plaid handles the authentication and the app receives only the read-only data Plaid allows. Your payment card details are held by Stripe, not Quaestor.

One edge case unsettled: what happens if a Plaid sync breaks. The app can surface stale data but cannot fix a broken sync. You can re-import by CSV if syncing missed money, but the page does not detail the recovery workflow.

A daily dashboard, not a spending breakdown. Transfers caught and moved out of spending

Quaestor Ledger does not categorize transactions or budget spending. Instead, it shows a daily view of three numbers: liquid cash on hand, net worth, and what is due (liabilities and obligations).

The Cash Outlook feature estimates how many days of liquid cash you have as a range with a confidence interval. Example: "I have about a day of liquid cash, a range of one to five days, medium confidence." Quaestor shows assumptions about what counts as liquid and surfaces quality notes when something looks off, but does not round up to make you feel better.

The big differentiator is transfer detection. Most finance apps treat a credit-card payment as spending. You pay off your card from checking, the app records both transactions, and if it is not careful, it files a $13,878 card payment as a $13,878 shopping spree. Quaestor Ledger catches this: "A transfer is not a purchase. Pay a card from checking and most apps put you on a $13,878 shopping spree. Quaestor pairs the debit with the credit and files the pair where it belongs: out of your spending, out of your burn rate, out of every report downstream." The example shows it has caught 97 of these so far. Transfers are matched by amount, date, and account, then kept out of spending and burn rate entirely.

The money flow view shows 60 days of inflow, outflow, and net, split by account and category. Internal transfers and loan payments get their own lanes, never a spending category. The interface runs in a browser on any device, with no Mac required, no file to sync, and no app to install.

An AI assistant lets you ask your ledger questions: "What did I really spend on restaurants last quarter, transfers excluded?" The answer comes from your own transactions, receipts, and accounts, read-only and scoped to you. The page specifies: "We never train AI on your financial data. Ever." The assistant calls its own results estimates, not guarantees.

Weekly briefings deliver the completed week and the cash outlook to your inbox on a schedule you set, in your time zone. The outlook is frozen at send time, so what you read on Monday is what was true on Monday.

Multi-currency support with live rates and historical snapshots

Every account keeps its own currency. Balances display in the currency they are in. Your net worth is in the one you think in, converted at live rates every morning. The page describes 153 currencies supported, with daily rate updates.

Critically, past periods keep the rates they were recorded at. "Last year's report does not rewrite itself when the rate moves." A historical snapshot stays denominated at the rate in force when it was recorded, rather than being silently restated at today's rate. This prevents the backward distortion that plagues most multi-currency tools: without it, you would look back at your net worth from months ago and find it has changed because the exchange rate moved, not because your assets changed.

Transfers between currencies still match on the converted amount, so moving money from a USD account to an EUR account shows up correctly in both the source and destination.

12.99 dollars a month or 89.99 dollars a year, after a seven-day free trial

Quaestor Ledger costs $12.99 a month or $89.99 a year. There is a seven-day free trial with no credit card required for new customers; if the account has subscribed before, the paid plan starts at checkout. The card is required before the trial ends. You can cancel anytime before your first payment. After the trial, renewals are automatic until you cancel in Settings. Taxes may apply.

The pricing page does not describe what features exist in the paid tier or whether there is a free tier with limited features. The implication is that everything described (all three numbers, cash outlook, transfer detection, multi-currency, the assistant, weekly briefings, receipts, Plaid sync, CSV import, browser access) requires a paid subscription. There is no free version and no upgrade path described; it is a single tier at a single price.

The creator is paid by subscriptions and nothing else: "We are paid by subscriptions and nothing else: no ads, no selling data, no commissions."

Best for people managing multiple currencies and many accounts, or who distrust automatic syncing

Quaestor Ledger is a fit for expats, digital nomads, and anyone holding accounts in multiple currencies. It is also a match for people with complex finances (many credit cards, business accounts, investment accounts) who want daily visibility into cash position and net worth without the overhead of a full budget.

It is not a fit for spending tracking or budget discipline. It does not help you allocate money to goals or enforce spending limits. It does not integrate with investment portfolio trackers. The seven-day free trial is time-limited; after that, you must subscribe.

The read-only design is both strength and weakness. It is a strength because it makes the app incapable of accidentally moving your money. It is a weakness because it cannot execute any of the transfers you might want to automate (like paying off a credit card on a schedule or moving savings to a different account). You can see your money, but you cannot tell the app to move it.