# Budgeting apps in Pakistan in 2026: an honest comparison

Source: https://www.jayb.io/blog/best-budgeting-apps-pakistan · Updated 10 October 2026

Looking for the best budgeting app or personal finance app in Pakistan? The right one depends on what you need: an AI assistant you can talk to, a ledger for udhaar, a check of your bank statement, or a simple expense log. This guide compares the apps people in Pakistan use, on the things that matter here: price in rupees, Urdu, how entries get in, bank and wallet statements, and lending and borrowing. What it says about each app comes from that app's own website and store listing, checked on the date shown at the bottom.

## 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.

| App | Where it runs | Price in Pakistan | AI or voice | Urdu | Bank or wallet statements | Lend and borrow (udhaar) |
| --- | --- | --- | --- | --- | --- | --- |
| Jayb | Web on any phone or computer; Android and iPhone apps coming soon | Free | Jayb AI: talk or type, does almost everything in the app | Talks and understands Urdu and Roman Urdu; screens in English | Reads PDF, CSV, Excel and screenshots, and checks them against your account | Yes, with WhatsApp reminders and settle up |
| MyHisaab | WhatsApp, iPhone, online dashboard | Rs 2,499 one-time (website) | Reads typed and voice entries and receipt photos; AI sorts categories | Urdu and English | Not listed | Not listed |
| Kepto | Web | Free (website) | AI sorts statement transactions | Reads Urdu merchant names | Reads PDF and Excel statements | Customer credit for shops, in Kepto Business (free trial) |
| Hysab Kytab | Android, iPhone | Free download | Not listed | Not listed | Not listed | Debts and people (App Store notes) |
| Wallet (BudgetBakers) | Android, iPhone | Premium from Rs 500; lifetime Rs 4,900 (App Store) | Not listed | Urdu among the iPhone app's languages | Bank connection where supported; imports spreadsheets | Mentions debts |
| Money Manager (Realbyte) | Android, iPhone | Rs 450 a month or Rs 3,550 a year (App Store); free version with ads | Not listed | Not listed | Not listed | Not listed |
| Spendee | Android, iPhone, web | Free; paid plans from Rs 700, lifetime from Rs 7,499 (App Store) | AI receipt scanner | Not listed | Bank and e-wallet sync where supported | Not listed |
| Money Lover | Android, iPhone | Lifetime Rs 4,900, bank sync extra (App Store) | Voice through Siri and Apple Watch, natural-language entry, receipt scanning (iPhone) | Not listed | Bank sync in some countries | Mentions debts |
| YNAB | Android, iPhone, web | $14.99 a month or $109 a year; free trial | Not listed | Not listed | Direct import only for some US, Canadian, UK and EU banks | Not listed |

## 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.

## Sources

- [MyHisaab website](https://myhisaab.pk/), checked 10 October 2026
- [MyHisaab AI on the App Store (Pakistan)](https://apps.apple.com/pk/app/myhisaab-ai/id6766859505), checked 10 October 2026
- [Kepto website](https://www.kepto.co/), checked 10 October 2026
- [Hysab Kytab on Google Play](https://play.google.com/store/apps/details?id=com.jbs.hk.c&hl=en&gl=PK), checked 10 October 2026
- [Hysab Kytab on the App Store (Pakistan)](https://apps.apple.com/pk/app/hysab-kytab/id1340833168), checked 10 October 2026
- [Hysab Kytab website](https://hysabkytab.com), checked 10 October 2026
- [Wallet on the App Store (Pakistan)](https://apps.apple.com/pk/app/wallet-budget-money-manager/id1032467659), checked 10 October 2026
- [Wallet on Google Play](https://play.google.com/store/apps/details?id=com.droid4you.application.wallet), checked 10 October 2026
- [Money Manager on the App Store (Pakistan)](https://apps.apple.com/pk/app/money-manager-expense-budget/id560481810), checked 10 October 2026
- [Money Manager on Google Play](https://play.google.com/store/apps/details?id=com.realbyteapps.moneymanagerfree), checked 10 October 2026
- [Spendee on the App Store (Pakistan)](https://apps.apple.com/pk/app/money-tracker-spendee/id635861140), checked 10 October 2026
- [Spendee on Google Play](https://play.google.com/store/apps/details?id=com.cleevio.spendee), checked 10 October 2026
- [Money Lover on the App Store (Pakistan)](https://apps.apple.com/pk/app/money-lover-money-manager/id486312413), checked 10 October 2026
- [Money Lover on Google Play](https://play.google.com/store/apps/details?id=com.bookmark.money), checked 10 October 2026
- [YNAB pricing](https://www.ynab.com/pricing), checked 10 October 2026