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.

SadaPay Statement Analytics

See Where Your SadaPay Money Goes

Modern digital banking meets intelligent personal finance and freelance analytics.

Upload your SadaPay personal or SadaBiz freelance statement and get actionable insights, spending breakdowns, and tax summaries in seconds.

Analyze Your SadaPay & SadaBiz Statement Free Calculate 2026-27 Tax

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

How to Track Your SadaPay & SadaBiz 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 SadaPay & SadaBiz 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 SadaPay & SadaBiz Statement PDF

Open SadaPay App

Open the SadaPay app and navigate to More > Statement / Documents.

Select Month & Export PDF/CSV

Choose your monthly statement and tap 'Export PDF' or 'Export CSV'.

Upload to Kepto

Drop the file into Kepto for instant automated processing and visual charts.

Supported Formats: SadaPay Personal PDF Statement, SadaBiz Freelance Invoice Statement, SadaPay CSV Exports

Why SadaPay & SadaBiz Users Prefer Kepto

Tailored for the Pakistani banking and economic landscape.

Freelance USD & Foreign Remittances

Seamlessly tags international inward remittances from Upwork, Deel, Stripe, and Payoneer.

Micro-Spending Detection

Uncovers small everyday leaks from Foodpanda, Steam, Netflix, and Careem.

Multi-Wallet Consolidation

Combine your SadaPay card with your traditional bank accounts (HBL, Meezan) for 360-degree clarity.

Frequently Asked Questions for SadaPay & SadaBiz Customers

Can I upload SadaBiz freelance statements?

Yes! Kepto is optimized to categorize business tool subscriptions (ChatGPT, GitHub, Cursor, AWS) and client payment inflows.