Budgeting apps in Pakistan in 2026: an honest comparison

The short answer

• Jayb: an AI budgeting app and money manager that works the way money works in Pakistan. Free on the web. Talk or type to Jayb AI in English or Urdu; it records entries, reads receipts, statements, screenshots and Excel sheets, and answers with the exact transactions behind every number. Budgets start on your salary day, and udhaar, shared accounts and family budgets are built in.
• MyHisaab: expense tracking through WhatsApp messages, with text, voice and receipt photos, in Urdu and English. A one-time payment of Rs 2,499 on its website.
• Kepto: a free website that reads PDF or Excel bank statements from Pakistani banks and wallets and sorts the transactions for you.
• Hysab Kytab: a long-standing Pakistani expense tracker. Its apps were last updated in late 2023, and its website now offers its tools to banks.
• Wallet, Money Manager, Spendee and Money Lover: global apps with paid plans in rupees on the Pakistan App Store. YNAB is priced in US dollars.

Side by side

Price is what the app's own pages or the Pakistan app stores show. "Not listed" means the app's pages don't mention it, not that it can't do it.

What to look for in a budgeting app in Pakistan

• Rupees and lakhs: amounts like 1.5 lakh or 2 hazar, and totals that read the way you count.
• Your month, not the calendar's: most people here plan from salary to salary, not from the 1st.
• Easypaisa, JazzCash and bank apps: a way to check what they show without typing every line again.
• Udhaar: money lent to friends and family is still yours, so it shouldn't look like spending.
• Urdu: the way people actually talk about money, typed or spoken.
• Price: a free option, or a price in rupees you're comfortable with.

Where Jayb fits

Jayb is built around those six things. You tell Jayb AI an expense the way you'd say it ("chai 150 cash se", "petrol 3000 from Meezan"), typed or spoken, in Urdu or English. Budgets start on your salary day. Send a screenshot of your Easypaisa, JazzCash or bank app history, a PDF statement or an Excel sheet, and Jayb AI reads every line, leaves out what you've already recorded, and checks the balance against your account. Lending and borrowing move money to a person, so they never count as spending, and a polite WhatsApp reminder is one tap away.

Jayb doesn't log in to your bank. You add your accounts yourself and keep them right by sending a statement or screenshot when you want to check. It's free on the web today, on any phone or computer, and can be added to your phone's home screen like an app.

Which one to pick

• You want one app for everything (expenses, budgets on payday, savings goals, udhaar, family budgets) and an AI you can talk to: Jayb.
• You'd rather log everything in WhatsApp and don't mind a one-time fee: MyHisaab.
• You only want to see what's in a bank statement, once: Kepto.
• You're on Hysab Kytab now and want to keep your history: Jayb imports its export with every account reconciled.
• You need automatic bank connections in other countries: Wallet, Spendee or Money Lover, where your bank is supported.

Questions

What is the best budgeting app in Pakistan?

It depends on what you need. If you want budgets on your salary day, udhaar tracking, family budgets and an AI assistant you can talk to in Urdu or English, for free, Jayb covers all of it. MyHisaab suits people who'd rather log expenses in WhatsApp, and Kepto suits a one-off look at a bank statement.

Is there a free budgeting app in Pakistan?

Yes. Jayb is free on the web with every feature, including Jayb AI. Kepto's statement reader is free on its website. Several global apps have free versions with limits or ads.

Is there a budgeting app in Urdu?

Jayb AI understands Urdu and Roman Urdu, typed or spoken, and answers out loud; the app's screens are in English. MyHisaab says it works in Urdu and English.

Can a budgeting app read my Easypaisa or JazzCash history?

Jayb can: send Jayb AI a screenshot of the app's history and it reads each line and checks it against your account. Kepto reads Easypaisa and JazzCash statements as PDF or Excel.