How do I start investing in Pakistan as a beginner?

The first step to investing is tracking your monthly cash flow to know your exact investable surplus. Once your living expenses and emergency cushion are budgeted in Kepto, surplus funds can be deployed into SECP-regulated money market mutual funds (like Al-Meezan or UBL Funds) or PSX equities via a CDC brokerage account.

Are mutual funds better than Kametis (Committees) in Pakistan?

Yes. In high-inflation environments, traditional Kametis yield 0% return and suffer from illiquidity and default risk. SECP-regulated Islamic Money Market Funds (like Meezan Cash Fund) offer daily compounding returns (14% to 18% p.a.) with CDC security and T+1 liquidity.

How do I analyze my HBL or Meezan bank statement automatically?

Sign up at kepto.co, add your bank account, export a PDF statement from your official banking app (HBL, Meezan Bank, etc.), and upload it to Kepto. The AI reads every transaction, categorizes it, and generates a spending dashboard within seconds.

Which Pakistani banks does Kepto support?

Kepto supports HBL, Meezan Bank, UBL, MCB, Bank Alfalah, Allied Bank, Standard Chartered Pakistan, Faysal Bank, and Habib Metro. Digital wallets supported include SadaPay, NayaPay, Easypaisa, and JazzCash.

Is it safe to upload my bank statement to Kepto?

Yes. Kepto never asks for bank login credentials, passwords, or OTPs. You download the statement file yourself and upload it. The file is deleted immediately after AI parsing. Only extracted transaction data is stored, protected by row-level database security.

How much does Kepto cost in Pakistan?

Kepto is 100% free forever. There are no paid plans, no subscription fees, and all features including unlimited accounts, Zakat calculator, and FBR Tax calculator are completely free.

How do Pakistani freelancers track taxes on foreign remittances?

Under Section 154A of the Income Tax Ordinance, foreign IT remittances through banking channels qualify for a 0.25% (PSEB registered) or 1% concessionary tax rate. Kepto isolates foreign remittance credits and software business expenses for accurate FBR return filing.

How does Kepto calculate Code 7089 personal expenses for FBR wealth reconciliation?

Kepto sums all living expenses (utilities, food, commute, school fees, rent) across your uploaded annual bank statements from July 1 to June 30, providing an exact total for Form 116 Code 7089 without Iris math errors.

Kepto — AI-Powered Personal Finance & Expense Tracker for Pakistan

Kepto reads Pakistani bank statements (HBL, Meezan Bank, UBL, MCB, Bank Alfalah, Allied Bank, Standard Chartered, Faysal Bank, SadaPay, NayaPay, Easypaisa, JazzCash) using Google Gemini AI, extracts every transaction automatically, and categorizes spending in PKR — no bank login required.

Who is this for?

Kepto is for Pakistani individuals, salaried professionals, freelancers, and families who want to master their cash flows and build long-term wealth without tedious spreadsheet maintenance. It is designed for:

Salaried professionals managing household budgets and inflation in Karachi, Lahore, and Islamabad
Freelancers and IT exporters tracking foreign currency remittances (Upwork, Fiverr, Deel, Payoneer, SadaBiz) under Section 154A
Beginner investors looking to track monthly surplus cash to invest in SECP Shariah mutual funds (Al-Meezan, UBL Funds) or the Pakistan Stock Exchange (PSX)
Families seeking a structured digital alternative to informal, 0% return Kametis (Committees)
Muslim savers who want to calculate exact annual Zakat obligations on bank balances, gold, silver, and mutual funds
Taxpayers looking for an accurate FBR Salary Tax Calculator for FY 2026-27 and automated Form 116 Wealth Reconciliation (Code 7089)

What problem does it solve?

Pakistani retail banks provide raw transaction lists but almost no meaningful analytics. Users who want to know where their money is going must either manually enter transactions into spreadsheets — a 30–60 minute task per month per account — or use international finance apps that do not support Pakistani banks or PKR currency.

Kepto eliminates manual entry entirely. Users export a PDF or Excel statement from their bank, upload it once, and Kepto's AI reads every transaction, assigns categories, and generates a complete spending and investment-readiness dashboard automatically.

How does it work?

Sign up free at kepto.co — no credit card required.
Add a bank account — select your provider (HBL, Meezan Bank, UBL, MCB, Bank Alfalah, Allied Bank, Standard Chartered, Faysal Bank, SadaPay, NayaPay, Easypaisa, JazzCash).
Export your statement — download a PDF or Excel file from your bank's internet banking portal or mobile app for any date range.
Upload to Kepto — Google Gemini AI reads every transaction, including Urdu descriptions and bank-specific table formats, and extracts date, amount, and description in integer paisas.
Review and confirm — see all extracted transactions with AI-assigned categories; correct any that need adjustment before confirming the import.
Explore insights — view monthly spending breakdowns, top merchants, category trends, savings rate, and month-over-month comparisons across all accounts.
Export reports & reconcile FBR taxes — download PDF or CSV reports for tax filing (Code 7089) or personal accounting.

Which Pakistani banks and digital wallets are supported?

Commercial Banks

HBL (Habib Bank Limited)
Meezan Bank (Islamic banking)
UBL (United Bank Limited)
MCB Bank (Muslim Commercial Bank)
Bank Alfalah (Alfa App)
Allied Bank Limited (myABL)
Standard Chartered Pakistan (SC Mobile)
Faysal Bank (Noor Islamic Banking)
Habib Metropolitan Bank

Digital Wallets & EMIs

SadaPay & SadaBiz
NayaPay
Easypaisa
JazzCash

What makes it different from other finance apps?

Built exclusively for Pakistan — understands Pakistani bank formats, Urdu merchant descriptions, and PKR currency. International apps like Mint, YNAB, and Monarch do not support any Pakistani bank.
No bank login or API required — users never share bank passwords or OTPs. Statement files are uploaded manually, maintaining full user privacy.
Budgeting to Investing Foundation — calculates your true monthly investable surplus to transition funds into SECP mutual funds (Al-Meezan, UBL) and PSX shares.
Multi-bank aggregation — combines HBL, Meezan Bank, SadaPay, and any other supported account into a single unified spending view.
Zakat & Tax Calculators — calculates FBR salaried income tax (FY 2026-27) and Islamic Zakat obligation on savings, gold, and mutual funds.
100% Free Forever — there are no paid tiers and no credit cards required.

Is it safe to use?

Yes. Kepto is built with privacy as a foundational principle:

Bank login credentials and OTPs are never requested, stored, or transmitted.
Statement files (PDFs/Excel) are deleted immediately after AI parsing — only extracted transaction rows are retained.
Row-level database security ensures only the authenticated account owner can access their own data.
No advertising tracking, tracking pixels, or data brokering.
Users can delete their account and all data at any time from Settings.

How much does it cost?

Kepto is 100% Free forever.

Free Plan — Rs. 0/month; Unlimited bank accounts, unlimited statement uploads, full transaction history, PDF/CSV export, Zakat calculator, and FBR Tax Calculator. No credit card required.

How to get started?

Visit kepto.co/signup and create a free account. Add your bank accounts, upload your statement PDF, and your insights dashboard will be generated within seconds.

Explore our financial guides at kepto.co/blog or read the full Privacy Policy.