What is the best finance 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 is 100% free forever. There are no paid plans, no hidden fees, and all features including unlimited accounts, Zakat calculator, and Tax calculator are completely free.

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.

Meezan Islamic Statement Analyzer

Track Your Meezan Bank Finances with Halal Clarity

Pakistan's premier Islamic bank, paired with Shariah-compliant financial tracking.

Upload your Meezan Bank PDF e-statement to auto-categorize expenses, track halal profit distributions, and estimate annual Zakat.

Analyze Your Meezan Bank Statement Free Calculate 2026-27 Tax

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

How to Track Your Meezan Bank 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 Meezan Bank 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 Meezan Bank Statement PDF

Open Meezan Community Mobile App

Select 'e-Statement Download'

Select your statement period (monthly or custom range) and tap Download PDF.

Upload to Kepto

Drop the PDF statement into Kepto to see your full categorized dashboard in seconds.

Supported Formats: Meezan Mobile App PDF, Meezan NetBanking PDF, Meezan Current & PLS Savings Statements

Why Meezan Bank Users Prefer Kepto

Tailored for the Pakistani banking and economic landscape.

Halal Profit vs Interest Separation

Correctly classifies Meezan Islamic Mudarabah profit payouts as halal income, separate from conventional interest.

Zakat & Sadaqah Tracking

Identifies all charity debits and auto-computes annual Zakat due based on your year-end cash balances.

Multi-Account Aggregation

Combine Meezan personal, joint, and freelance accounts into a single, comprehensive view.

Frequently Asked Questions for Meezan Bank Customers

Does Kepto support Meezan Islamic Mutual Funds statements?

Yes, you can track cash inflows and redemption payouts from Al-Meezan Investments alongside your primary checking account.

Can Kepto help with Meezan Zakat Exemption (Form CZ-50)?

Kepto tracks your exact charity contributions throughout the year so you have complete records when filing your CZ-50 declaration.