Quaestor Ledger
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AI personal finance ledger for people with 50+ accounts across currencies, auto-detecting transfers to show true cash flow.
What it does
Quaestor Ledger is a financial dashboard aimed at users with complex, multi-account, multi-currency finances. It links read-only to banks via Plaid, uses a transfer-detection engine to separate real spending from internal transfers, and provides an AI chat assistant to answer questions about spending and cash flow. It also parses receipts with AI and displays cash flow using Sankey-style diagrams.
Core features
Read-only bank sync across 12,000+ institutions via Plaid
AI chat agent to answer questions about spending and subscriptions
Automatic detection and filtering of internal transfers from burn rate
Interactive Sankey diagrams visualizing money flow
Multi-currency net worth tracking with live FX rates
AI-based receipt scanning that extracts merchant, items and totals
Automatic matching of receipts to bank or card transactions
Best for
→Individuals tracking finances across dozens of bank and investment accounts
→People earning and spending in multiple currencies
→Users switching from Monarch, YNAB, Copilot or Banktivity for more complex needs
→Households wanting an accurate view of real spend excluding transfers
→Anyone wanting AI-assisted receipt tracking tied to bank transactions