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.

Meezan Budgeting & Money Management

Simplify Your Meezan Bank Finances with Halal Clarity

Pakistan's premier Islamic bank, paired with Shariah-compliant money management.

Import your Meezan Bank PDF e-statement to easily organize your spending, track halal profit distributions, and estimate annual Zakat.

Get Started with Kepto Calculate 2026-27 Tax

100% Privacy — No Bank Passwords·Instant Smart Categorization

How to Simplify Your Meezan Bank 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 Meezan Bank 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 Meezan Bank Statement for Easy Budgeting

Open Meezan Community Mobile App

Select 'e-Statement Download'

Select your statement period (monthly or custom range) and tap Download PDF.

Upload to Kepto

Drop the PDF statement into Kepto to see your full categorized dashboard in seconds.

Supported Formats: Meezan Mobile App PDF, Meezan NetBanking PDF, Meezan Current & PLS Savings Statements

Why Meezan Bank Users Prefer Kepto

Tailored for the Pakistani banking and economic landscape.

Halal Profit vs Interest Separation

Correctly classifies Meezan Islamic Mudarabah profit payouts as halal income, separate from conventional interest.

Zakat & Sadaqah Tracking

Identifies all charity debits and auto-computes annual Zakat due based on your year-end cash balances.

Multi-Account Aggregation

Combine Meezan personal, joint, and freelance accounts into a single, comprehensive view.

Frequently Asked Questions for Meezan Bank Customers

Does Kepto support Meezan Islamic Mutual Funds statements?

Yes, you can track cash inflows and redemption payouts from Al-Meezan Investments alongside your primary checking account.

What is the password format for Meezan Bank PDF statements?

For Meezan Bank email e-statements, the password is your 13-digit CNIC without dashes or Date of Birth (DDMMYYYY). Kepto lets you unlock the PDF in your browser locally without transmitting passwords.

Can Kepto help with Meezan Zakat Exemption (Form CZ-50)?

Kepto tracks your exact charity contributions throughout the year so you have complete records when filing your CZ-50 declaration.