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.

NayaPay Statement Analyzer

Track Your NayaPay Spending Automatically

Pakistan's leading digital wallet, now with automated AI expense analytics.

Upload your NayaPay app PDF statement to see an instant, categorized breakdown of your daily food, transport, and online shopping in PKR.

Analyze Your NayaPay Statement Free Calculate 2026-27 Tax

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

How to Track Your NayaPay 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 NayaPay 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 NayaPay Statement PDF

Open NayaPay App

Export Statement

Tap on 'Statement' or 'Transaction History', select your desired date range (e.g. Last Month), and export as PDF.

Drop into Kepto

Upload the PDF to Kepto for instant Gemini AI categorization in under 15 seconds.

Supported Formats: NayaPay Mobile PDF Statement, NayaPay Transaction Receipts

Why NayaPay Users Prefer Kepto

Tailored for the Pakistani banking and economic landscape.

Digital Merchant Auto-Tagging

Instantly recognizes Steam, Spotify, Netflix, Foodpanda, Careem, Bykea, and Daraz transactions.

Wallet Top-Up Isolation

Separates bank-to-wallet transfers from actual retail spending so your cash flow stats remain accurate.

Multi-Account Aggregation

Combine your NayaPay spending with your HBL, Meezan, or SadaPay accounts in a single dashboard.

Frequently Asked Questions for NayaPay Customers

Does Kepto require my NayaPay MPIN or login credentials?

No. Kepto never asks for your MPIN, passwords, or OTPs. You only upload your exported PDF statement.

Can I combine NayaPay and SadaPay accounts on Kepto?

Yes. You can add unlimited digital wallets and bank accounts in Kepto completely free.