Jayb vs Kepto

Updated

Kepto and Jayb both read Pakistani bank and wallet statements with AI, and both are free. Kepto is built around uploading statements to see where your money went. Jayb is an everyday money manager: you record as you go, budget from payday and track udhaar, and statements are one way to check your accounts are right. Facts about Kepto come from its own website, checked on the date shown at the bottom.

Side by side

Jayb and Kepto compared
JaybKepto
What it's forEveryday money: record, budget, save, track udhaar, ask Jayb AIUnderstanding your bank and wallet statements
Where you use itAny phone or computer through the web; Android and iPhone apps coming soonWeb
PriceFreeFree (Kepto Business has a free trial)
StatementsPDF, CSV, Excel and screenshots, checked against your account line by linePDF and Excel statements, sorted into categories
Everyday entriesThe full form, or voice and text to Jayb AINot stated
Budgets and savings goalsYes, from your paydayNot stated
Lend and borrow (udhaar)Yes, for your own moneyCustomer credit for shops, in Kepto Business
Zakat and taxLeave Zakat or Khums out of budgetsZakat estimate and an FBR salary tax calculator

Which one to pick

  • Use Kepto for a one-off look at a statement, or for its Zakat estimate and tax calculator.
  • Use Jayb to manage your money day to day: every account in one place, budgets from payday, udhaar, savings goals, and Jayb AI by voice or text, with statements to check you're right.

Questions

Can Jayb read my bank statement?
Yes. Send Jayb AI a PDF, CSV or Excel statement, or a screenshot of your banking or wallet app, and it shows what's missing, extra or different, and exactly why your balance doesn't match.
Does Jayb need my bank password?
No. Jayb never logs in to your bank.
Try Jayb free

Sources

What this article says about other apps comes from their own public pages, as they were on the day shown. Apps change: check the latest before you choose.

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