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.

Easypaisa Budgeting & Money Management

Simplify Your Easypaisa Budgeting & Spending

Pakistan's leading mobile wallet, paired with effortless money management.

Import your Easypaisa statement to organize mobile load, utility bills, merchant payments, and peer transfers automatically.

Get Started with Kepto Calculate 2026-27 Tax

100% Privacy — No Bank Passwords·Instant Smart Categorization

How to Simplify Your Easypaisa Budgeting with Kepto

Three easy steps to clear, stress-free money management. No passwords or account linking required.

Export Your e-Statement

Download your monthly PDF or CSV statement from your Easypaisa banking app or web portal in seconds.

Add to Kepto

Simply drop your statement into Kepto. Your expenses are categorized automatically with 100% privacy.

Manage Your Budget with Ease

See organized spending, spot savings opportunities, and stay on top of your monthly budget effortlessly.

Quick Setup Guide

How to Export Your Easypaisa Statement for Easy Budgeting

Open Easypaisa App

Tap on your Profile Icon > Account Statement / e-Statement.

Choose Date Range & Email PDF

Select the required period and send the e-statement to your email or download directly.

Upload to Kepto

Upload the PDF into Kepto to see your full transaction breakdown in seconds.

Supported Formats: Easypaisa App PDF Statement, Easypaisa Email e-Statement

Why Easypaisa Users Prefer Kepto

Tailored for the Pakistani banking and economic landscape.

Utility Bill & Mobile Load Tracking

Consolidates all your recurring bill payments and mobile top-ups in one clear view.

P2P Transfer Separation

Categorizes transfers to friends and family separately from merchant spending.

Complete Financial Visibility

Combine Easypaisa wallet data with your main bank accounts.

Frequently Asked Questions for Easypaisa Customers

How do I get an official Easypaisa PDF statement?

In the Easypaisa app, go to My Account > e-Statement and request a statement for the past 30, 60, or 90 days sent to your registered email.