Know your money. Own your future.
Stop wondering where your salary went. Upload your statement from HBL, Meezan, or Easypaisa, and we'll instantly show you exactly how much you spent on food, bills, and shopping—without any manual data entry.
Free forever · No credit card required
Total Spending
Rs. 47,850
12 transactions synced · HBL Current Account
Works with your bank
Estimate your salary or freelance tax liabilities under the latest FBR tax slabs. Includes EOBI contributions, Zakat tax deduction benefits, and Filer vs. Non-Filer saving rates.
No manual entry. No spreadsheets. Just upload and let Kepto do the work.
Step 01
Export a PDF or Excel file from your banking app. HBL, Meezan, Easypaisa, and most major Pakistani banks are supported instantly.
Step 02
Never manually log an expense again. We instantly organize your Careem rides, K-Electric bills, and Daraz shopping into clean categories.
Step 03
See exactly where your money goes each month. Spot hidden subscriptions, track your savings, and finally feel in control of your spending.
Built specifically for the Pakistani banking ecosystem — with all the nuances that come with it.
Whether you use HBL, Meezan, SadaPay, or Easypaisa, just upload your statement. No complex API integrations or bank passwords required.
From blurry Easypaisa screenshots to Urdu transaction descriptions, our system understands local merchants so you don't have to explain them.
Get clear monthly breakdowns, spot your biggest spending habits, and track your savings. Finally know where every single rupee goes.
We automatically estimate your Zakat obligation based on your savings and spending history, helping you give with clarity and confidence.
Export clean, organized reports as PDF or CSV. Make life easier for yourself (or your accountant) when it's time to file your FBR tax returns.
Your money is your business. We never ask for your banking passwords, we don't sell your data, and nobody can see your transactions but you.
We built Kepto to be a tool we'd use ourselves. That means your data stays your data, and your trust is never compromised.
Your bank statement PDFs and Excel files are deleted immediately after being parsed by our AI.
We only save transaction data. We never ask for or store your bank login credentials or full account numbers.
Your data is protected and private. Delete your account or export your data anytime in one click.
We believe everyone in Pakistan deserves clarity over their finances. That's why Kepto is completely free to use.
Rs. 0 /month
No credit card required. Setup takes 30 seconds.
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 every PKR transaction and categorizing it automatically with no manual data entry required.
Sign up free at Kepto, add your HBL account, export a PDF statement from HBL Internet Banking, and upload it to Kepto. Google Gemini AI reads every transaction, categorizes each one, and generates a complete spending dashboard within 30 seconds — no manual entry, no spreadsheets.
Yes — Kepto is the AI-powered personal finance tool built exclusively for Pakistan. It uses Google Gemini 1.5 Flash to parse Pakistani bank statement formats, understand Urdu merchant names, and categorize PKR transactions. It supports all major Pakistani banks and digital wallets.
Upload your Pakistani bank statement PDF or Excel file to Kepto. The AI automatically assigns every transaction a category — Food & Dining, Transport, Shopping, Utilities, Salary, Education, Health, Entertainment, and more. You can override any category in one click and create rules that apply to all future uploads automatically.
Kepto is the only AI-powered budgeting app designed exclusively for PKR and Pakistani banks. International apps like Mint, YNAB, and Monarch Money do not support HBL, UBL, Meezan Bank, or any other Pakistani bank. Kepto was built specifically for the Pakistani banking ecosystem, including support for Easypaisa and JazzCash wallets.
Yes. Kepto supports Meezan Bank PDF and Excel statement uploads. Meezan Bank's Islamic banking transaction descriptions (including profit payments, Murabaha financing, and Takaful) are recognized and categorized correctly by the AI.