# Jayb vs Kepto

Source: https://www.jayb.io/blog/jayb-vs-kepto · Updated 11 October 2026

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 | Kepto |
| --- | --- | --- |
| What it's for | Everyday money: record, budget, save, track udhaar, ask Jayb AI | Understanding your bank and wallet statements |
| Where you use it | Any phone or computer through the web; Android and iPhone apps coming soon | Web |
| Price | Free | Free (Kepto Business has a free trial) |
| Statements | PDF, CSV, Excel and screenshots, checked against your account line by line | PDF and Excel statements, sorted into categories |
| Everyday entries | The full form, or voice and text to Jayb AI | Not stated |
| Budgets and savings goals | Yes, from your payday | Not stated |
| Lend and borrow (udhaar) | Yes, for your own money | Customer credit for shops, in Kepto Business |
| Zakat and tax | Leave Zakat or Khums out of budgets | Zakat 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.

## Sources

- [Kepto website](https://www.kepto.co/), checked 11 October 2026