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.

UBL Budgeting & Money Management

Simplify Your UBL Budgeting & Spending

Track your UBL Digital spending and cash flows with effortless budgeting clarity.

Import your UBL Digital PDF statement and see exactly where your money goes every month in PKR.

Get Started with Kepto Calculate 2026-27 Tax

100% Privacy — No Bank Passwords·Instant Smart Categorization

How to Simplify Your UBL (United 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 UBL (United 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 UBL (United Bank Limited) Statement for Easy Budgeting

Open UBL Digital App

Go to Account Statement

Select Statement, choose your monthly period, and tap Export to PDF.

Upload to Kepto

Upload the downloaded PDF into Kepto to see your full visual dashboard.

Supported Formats: UBL Digital Mobile App PDF, UBL NetBanking Statement, UBL Omni Wallet Statement

Why UBL (United Bank Limited) Users Prefer Kepto

Tailored for the Pakistani banking and economic landscape.

Raast & IBFT Transfer Detection

Separates genuine vendor spending from Raast and 1LINK peer transfers automatically.

Utility & Bill Categorization

Auto-sorts K-Electric, LESCO, SSGC, Nayatel, and SNGPL payments made via UBL Digital.

Monthly Cash Flow Reports

Track monthly savings rates, total inflow credits, and outgoing debit trends.

Frequently Asked Questions for UBL (United Bank Limited) Customers

Does Kepto support UBL Omni accounts?

Yes, standard statement exports from UBL Omni and branchless accounts are supported.