What is the best expense tracker for Pakistan?

Kepto is an AI-powered expense tracker built specifically for Pakistan. It automatically reads bank statements from HBL, UBL, Meezan Bank, MCB, Bank Alfalah, Allied Bank, Standard Chartered Pakistan, Habib Metro, Easypaisa, JazzCash, SadaPay, and NayaPay — extracting and categorizing every PKR transaction with no manual entry.

How do I analyze my HBL bank statement automatically?

Sign up at kepto.co, add your HBL account, export a PDF statement from HBL Internet Banking, 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, UBL, MCB, Meezan Bank, Allied Bank, Bank Alfalah, Standard Chartered Pakistan, and Habib Metro. Digital wallets supported: Easypaisa, JazzCash, SadaPay, and NayaPay.

Is it safe to upload my bank statement to Kepto?

Yes. Kepto never asks for bank login credentials. 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.

Does Kepto work with Easypaisa and JazzCash?

Yes. Kepto supports Easypaisa and JazzCash mini-statements and transaction exports in addition to all major Pakistani commercial banks.

How much does Kepto cost in Pakistan?

Kepto has a free plan (Rs. 0, forever). Paid plans: Basic at Rs. 4,000/year and Pro at Rs. 9,600/year. All plans include a 14-day Pro trial with no credit card required.

Can Kepto read Urdu bank statements?

Yes. Kepto's AI (Google Gemini) understands Urdu transaction descriptions and Pakistani merchant names within bank statement files.

Is there a Zakat calculator for Pakistan?

Yes. Kepto Pro includes a Zakat calculator that uses your actual bank savings data to estimate your Zakat obligation based on the Nisab threshold.

What budgeting apps work with PKR?

Kepto is designed exclusively for PKR and Pakistani banks. International apps like Mint and YNAB do not support Pakistani banks. Kepto is the only AI-powered expense tracker built specifically for the Pakistani banking ecosystem.

How do I categorize expenses from my bank statement automatically?

Upload your Pakistani bank statement to Kepto. Google Gemini AI automatically categorizes every transaction into categories like Food & Dining, Transport, Shopping, Utilities, Salary, and more — including understanding of Pakistani merchant names and Urdu descriptions.

Kepto — AI-Powered Expense Tracker for Pakistan

Kepto reads Pakistani bank statements (HBL, UBL, Meezan Bank, Easypaisa and others) 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, families, and freelancers who want to understand their spending without the effort of manual transaction entry or spreadsheet maintenance. It is especially useful for:

Salaried professionals managing monthly household budgets in PKR
Freelancers and consultants tracking income and expenses in Pakistani Rupees
Families tracking combined spending across multiple bank accounts and digital wallets
Muslims who want to accurately calculate their annual Zakat obligation based on real savings data
Anyone who banks with HBL, UBL, Meezan Bank, MCB, or uses Easypaisa or JazzCash

What problem does it solve?

Pakistani retail banks provide 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.

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 dashboard automatically.

How does it work?

Sign up free at kepto.co — no credit card required; a 14-day Pro trial is included automatically.
Add a bank account — select your provider (HBL, UBL, Meezan Bank, Easypaisa, etc.) from the supported list.
Export your statement — download a PDF or Excel file from your bank's internet banking portal 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.
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, and month-over-month comparisons across all accounts.
Export reports — download PDF or CSV reports for any date range or category filter (Pro plan).

Which Pakistani banks are supported?

Commercial Banks

HBL (Habib Bank Limited)
UBL (United Bank Limited)
MCB (Muslim Commercial Bank)
Meezan Bank (Islamic banking)
Allied Bank (ABL)
Bank Alfalah
Standard Chartered Pakistan
Habib Metro Bank

Digital Wallets

Easypaisa
JazzCash
SadaPay
NayaPay

What makes it different from other expense trackers?

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 API required — users never share bank passwords. Statement files are uploaded manually, maintaining full user control.
Multi-bank aggregation — combines HBL, Meezan Bank, Easypaisa, and any other supported account into a single unified spending view.
Zakat calculator — uses real savings data to calculate Islamic Zakat obligation; no other Pakistani consumer finance app offers this.
PKR-native pricing — paid plans start at Rs. 4,000/year, priced for Pakistani consumers; no USD pricing.

Is it safe to use?

Yes. Kepto is built with privacy as a core design principle:

Bank login credentials are never requested, stored, or transmitted.
Statement files (PDFs/Excel) are deleted immediately after AI parsing — only extracted transaction data is retained.
Row-level database security ensures only the authenticated account owner can access their own data — by design, not by policy.
No advertising tracking or behavioral data collection.
Users can delete their account and all data at any time.

How much does it cost?

All prices in Pakistani Rupees (PKR). Payments via Safepay.

Free — Rs. 0/month; 1 bank account, 3 uploads/month, 3 months of history. Free forever.
Basic — Rs. 4,000/year (Rs. 333/month equivalent); 3 accounts, 20 uploads/month, 12 months of history.
Pro — Rs. 9,600/year (Rs. 800/month equivalent); unlimited accounts, unlimited uploads, full history, PDF/CSV export, Zakat calculator. Includes 14-day free trial — no credit card required.

How to get started?

Visit kepto.co/signup and create a free account. No credit card is required. A 14-day Pro trial is activated automatically. Add a bank account, export a statement from your bank's portal, upload it to Kepto, and your spending dashboard will be ready within minutes.

For questions, visit kepto.co or read the full Privacy Policy.