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.

HBL Budgeting & Money Management

Simplify Your HBL Budgeting & Spending

Pakistan's largest bank, paired with effortless money management.

Import your HBL PDF statement to instantly see where your money goes. Effortlessly manage your monthly PKR budget with zero passwords required.

Get Started with Kepto Calculate 2026-27 Tax

100% Privacy — No Bank Passwords·Instant Smart Categorization

How to Simplify Your HBL (Habib Bank Limited) 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 HBL (Habib Bank Limited) 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 HBL (Habib Bank Limited) Statement for Easy Budgeting

Open HBL Mobile App

Select 'Account Statement'

Tap on 'Statement' or 'More Options' and choose the required date range (e.g. Last Month or Custom Dates).

Export & Upload to Kepto

Download the PDF to your phone or computer, then drop it into Kepto for instant categorization.

Supported Formats: HBL Mobile PDF Statement, HBL Internet Banking e-Statement, HBL Konnect Statement

Why HBL (Habib Bank Limited) Users Prefer Kepto

Tailored for the Pakistani banking and economic landscape.

Pakistani Merchant Detection

Automatically tags Daraz, Careem, Bykea, Foodpanda, Shell, and K-Electric from HBL narration strings.

Personal Transfer Separation

Distinguishes between real living expenses and internal IBFT transfers between your own accounts.

Annual Tax & Zakat Readiness

Summarizes all HBL credits and deductible charity payments for easy FBR tax return filing.

Frequently Asked Questions for HBL (Habib Bank Limited) Customers

Does Kepto need my HBL login password or OTP?

No. Kepto operates on a strict zero-credential model. You only upload your exported PDF statement.

What is the password format for HBL e-statements?

For HBL email e-statements, the default PDF password is typically your 13-digit CNIC number without dashes (e.g. 4210112345671) or your Date of Birth in DDMMYYYY format. In Kepto, you can unlock it locally during upload without sending passwords to our servers.