Upload your bank statement — from HBL, UBL, Meezan, or Easypaisa. Kepto reads every transaction, categorizes it automatically, and shows you exactly where your money is going.
14-day Pro trial included · 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 bank's app or online portal. HBL, UBL, Meezan, Easypaisa, and 6 more are supported out of the box.
Step 02
Gemini AI scans every transaction — including Urdu descriptions, wallet transfers, and bank-specific formats — and maps each one to the right category.
Step 03
See monthly breakdowns, spot trends, calculate your Zakat obligation, and export clean reports — all in one place.
Built specifically for the Pakistani banking ecosystem — with all the nuances that come with it.
Works with HBL, UBL, MCB, Meezan Bank, Bank Alfalah, Standard Chartered, Easypaisa, JazzCash, SadaPay, and NayaPay — no bank API needed.
Gemini 1.5 Flash understands Pakistani merchant names, Urdu transaction descriptions, and wallet top-ups. Disagree with a category? Fix it in one click.
Monthly breakdowns, category drill-downs, top merchants, and savings trends over time. Finally know where every rupee actually goes.
Kepto calculates your estimated Zakat obligation based on your savings and yearly spending history — so you can give with clarity and confidence.
Export filtered transaction reports as PDF or CSV for your accountant, tax records, or personal filing. Available on the Pro plan.
Your data is never shared, never sold. Row-level security in the database means only you can ever access your transactions — by design.
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 by row-level security. Delete your account or export your data anytime in one click.
Start free. Upgrade when you're ready. Every paid plan starts with a 14-day Pro trial — no card needed.
Free
Rs. 0
Free forever
Basic
Rs. 1,499/yr
Rs. 125/mo · billed annually
Pro
Rs. 3,999/yr
Rs. 333/mo · billed annually
All plans include AI categorization, multi-bank import, and secure private storage.
Cancel anytime. No hidden fees. No lock-in.
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.