What is the best finance tracker for Pakistan?

Kepto is an AI-powered personal finance platform built specifically for Pakistan. It automatically reads bank statements from HBL, Meezan Bank, UBL, MCB, Bank Alfalah, Allied Bank, Standard Chartered Pakistan, Faysal Bank, Habib Metro, Easypaisa, JazzCash, SadaPay, and NayaPay — extracting and categorizing every PKR transaction with zero manual entry.

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.

Allied Bank Statement Analyzer

Track Your Allied Bank Spending Automatically

Trusted banking across Pakistan, now with automated AI expense tracking.

Upload your myABL mobile app or Allied Bank Internet Banking PDF statement to get an instant breakdown of your monthly spending in PKR.

Analyze Your Allied Bank Limited (myABL) Statement Free Calculate 2026-27 Tax

100% Privacy — No Bank Passwords·Instant Gemini AI Extraction

How to Track Your Allied Bank Limited (myABL) Spending with Kepto

Three simple steps. No account linking or sensitive credentials required.

Download e-Statement

Export your monthly PDF or CSV statement from your official Allied Bank Limited (myABL) banking app or web portal.

Upload to Kepto

Drag and drop your statement file. Kepto reads the statement securely in seconds with zero password requirements.

Get Instant Clarity

See categorized spending (Food, Rent, Bills, Petrol), track personal transfers, and view your monthly net cash flow.

Tutorial & Guidelines

How to Download Your Allied Bank Limited (myABL) Statement PDF

Open myABL App

Select Statement Download

Go to Accounts > Statement of Account, pick your dates (Monthly or Custom), and select PDF export.

Upload to Kepto

Download the file to your phone or computer, then drop it into Kepto for instant categorization.

Supported Formats: myABL Mobile PDF Statement, Allied Bank e-Statement, Allied Islamic Statement

Why Allied Bank Limited (myABL) Users Prefer Kepto

Tailored for the Pakistani banking and economic landscape.

Government & Salaried Account Parsing

Accurately detects salary deposits, pension credits, and payroll deductions from Allied Bank formats.

1Link & Raast Transfer Isolation

Differentiates between internal transfers to family and real household living expenses.

Annual Wealth Reconciliation Support

Simplifies FBR Form 116 filing by calculating exact annual personal expenses and closing balances.

Frequently Asked Questions for Allied Bank Limited (myABL) Customers

Does Kepto need my myABL login credentials?

Never. Kepto operates on a strict zero-credential model. You only upload the exported PDF statement file.

How are password-protected myABL statements handled?

If your myABL PDF has a password, you can enter it securely during upload for local text extraction.