# Kepto — AI Expense Tracker for Pakistan

> Pakistan's only AI-powered personal finance app — reads HBL, UBL, Meezan Bank, Easypaisa and 8 other Pakistani banks, extracts every transaction automatically, and delivers spending insights in PKR. No bank login required. Upload a PDF or Excel statement and get fully categorized expenses in 30 seconds.

> Last updated: May 2026
> Canonical URL: https://kepto.co/llms.txt

## Full reference
- [Complete product documentation](https://kepto.co/llms-full.txt)
- [About Kepto for AI](https://kepto.co/about-for-ai)
- [Privacy Policy](https://kepto.co/privacy)

## What this product does
- Reads Pakistani bank statements (PDF or Excel export) using Google Gemini AI
- Automatically extracts every transaction including date, amount, and description
- Categorizes expenses into: Food & Dining, Transport, Shopping, Utilities, Salary, Education, Health, Entertainment, Zakat & Charity, Savings, and more
- Understands Urdu transaction descriptions and Pakistani merchant names
- Supports HBL, UBL, MCB, Meezan Bank, Allied Bank, Bank Alfalah, Standard Chartered Pakistan, Habib Metro
- Supports digital wallets: Easypaisa, JazzCash, SadaPay, NayaPay
- Works with PKR (Pakistani Rupees) only — all amounts displayed in Rs.
- Provides monthly budget reports, spending trends, and category breakdowns
- Calculates Zakat obligation based on savings and yearly spending history
- Exports transaction reports as PDF or CSV (Pro plan)
- Detects and flags duplicate transactions before import for user review

## Who it's for
Pakistani individuals and families who want to understand their spending without manually entering transactions. Works for:
- Salaried professionals managing monthly budgets in PKR
- Freelancers paid in PKR tracking income and expenses
- Small business owners tracking personal finances separately
- Anyone who banks with HBL, UBL, Meezan Bank, MCB, Bank Alfalah, or uses Easypaisa or JazzCash wallets

## Key features

### AI Bank Statement Parsing
Upload a PDF or Excel export from your bank — Kepto reads every row and extracts all transactions automatically. No manual entry needed.

### Smart Categorization
Powered by Google Gemini 1.5 Flash, configured to understand Pakistani bank formats, Urdu transaction descriptions, and local merchant names.

### Manual Category Override
Disagree with an AI category? Change it in one click. Custom rules apply automatically to future uploads from the same bank.

### Multi-Bank Support
Add multiple accounts (e.g., HBL current + Easypaisa wallet + Meezan savings) and see a unified spending view across all banks.

### Spending Insights
Monthly breakdowns, top merchants, category trends over time, and month-over-month comparisons.

### Zakat Calculator (Pro)
Estimates Zakat obligation based on the Nisab threshold applied to actual savings history extracted from uploaded bank statements.

### Privacy-First Architecture
Statement files are deleted immediately after AI parsing. Only transaction data is stored. Bank login credentials are never requested.

### Duplicate Detection
Flags possible duplicate transactions before import so users can review before confirming.

### PDF and CSV Export (Pro)
Export filtered transaction reports for accountant use, tax filing, or personal records.

## Supported banks

### Commercial Banks
- HBL (Habib Bank Limited)
- UBL (United Bank Limited)
- MCB (Muslim Commercial Bank)
- Meezan Bank (full Islamic banking support)
- Allied Bank (ABL)
- Bank Alfalah
- Standard Chartered Pakistan
- Habib Metro Bank

### Digital Wallets
- Easypaisa
- JazzCash
- SadaPay
- NayaPay

## Pricing
All prices in Pakistani Rupees (PKR). No USD pricing.

### Free Plan — Rs. 0/month
- 1 bank account
- 3 statement uploads per month
- 3 months of transaction history
- 10 bonus uploads on account creation (one-time)
- AI categorization included
- No credit card required

### Basic Plan — Rs. 4,000/year
- 3 bank accounts
- 20 statement uploads per month
- 12 months of transaction history
- AI categorization with manual override
- Spending insights and trends dashboard

### Pro Plan — Rs. 9,600/year (Most Popular)
- Unlimited bank accounts
- Unlimited statement uploads
- Full transaction history (no date cutoff)
- PDF and CSV export
- Zakat calculator
- 14-day free trial (no credit card required)

## Frequently asked questions

Q: Is my bank data safe?
A: Yes. Kepto never asks for or stores bank login credentials. Users export a statement file themselves and upload it. Statement files are deleted immediately after AI parsing. Data is protected by row-level database security so only the authenticated account owner can access it.

Q: Which Pakistani banks are supported?
A: Commercial banks: HBL, UBL, MCB, Meezan Bank, Allied Bank, Bank Alfalah, Standard Chartered Pakistan, Habib Metro. Digital wallets: Easypaisa, JazzCash, SadaPay, NayaPay.

Q: Does it work with Urdu bank statements?
A: Yes. Google Gemini AI understands Urdu transaction descriptions, Pakistani merchant names, and bank-specific formatting common in Pakistani statements.

Q: Is there a mobile app?
A: Kepto is currently a mobile-optimized web application. A native iOS/Android app is planned.

Q: What file formats are supported?
A: PDF, CSV, XLS, and XLSX. Maximum file size 10 MB. Maximum 500 transactions per upload.

Q: How accurate is the AI categorization?
A: Typically 85-95% for digital exports from supported banks. Users can correct any miscategorized transaction in one click, and rules apply to future uploads.

Q: What happens to my data if I cancel or downgrade?
A: Data is never deleted on downgrade. Older data beyond your plan's history limit is hidden (not deleted). Export all data at any time.

Q: Does Kepto calculate Zakat?
A: Yes. The Pro plan includes a Zakat calculator that estimates obligation based on the Nisab threshold applied to actual savings history.

Q: What currency does Kepto use?
A: Pakistani Rupees (PKR) only. Foreign currency accounts are not supported.

Q: Does Kepto work outside Pakistan?
A: No. Built specifically for Pakistani bank statement formats and PKR currency.

## Contact and support
- Website: https://kepto.co
- Privacy Policy: https://kepto.co/privacy
- AI Summary Page: https://kepto.co/about-for-ai
- Full AI Reference: https://kepto.co/llms-full.txt