Jayb vs MyHisaab
Updated
Jayb and MyHisaab are both AI expense trackers made with Pakistan in mind: you can log spending by text or voice, in Urdu or English, and send a receipt photo. They differ in where you use them, what they cost, and how much of your money they help you run. Facts about MyHisaab come from its own website and App Store listing, checked on the date shown at the bottom.
Side by side
| Jayb | MyHisaab | |
|---|---|---|
| Where you use it | Any phone or computer through the web; Android and iPhone apps coming soon | WhatsApp, an iPhone app (MyHisaab AI) and an online dashboard |
| Price | Free | Rs 2,499 one-time (website) |
| Adding spending | The full form, one line to Jayb AI by voice or text, receipts, screenshots, PDFs and Excel files | Messages, voice and receipt photos |
| Urdu | Understands Urdu and Roman Urdu, typed or spoken, and answers out loud | Works in Urdu and English |
| Budgets | From your payday, weekly, monthly and yearly, carry-over, suggestions, family budgets | Monthly budget and reminders |
| Lend and borrow (udhaar) | Yes, with WhatsApp reminders and settle up | Not stated |
| Check a bank statement | Yes: send a statement or screenshot and see exactly why the balance differs | Not stated |
| Shared accounts and family | Yes | Not stated |
| Bring your Hysab Kytab history | Yes | Not stated |
Which one to pick
- Choose MyHisaab if you want everything inside WhatsApp and don't mind a one-time fee.
- Choose Jayb if you want one place for all of your money, free: spending, payday budgets, savings goals, udhaar, statements and an AI assistant that does the work and shows its sources.
Questions
- Is Jayb free?
- Yes. Jayb is free on the web, with every feature including Jayb AI.
- Can I talk to Jayb in Urdu?
- Yes. Tap the mic and talk in English or Urdu; Jayb AI records what you said and answers out loud.
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.
- MyHisaab website · checked 11 October 2026
- MyHisaab AI on the App Store (Pakistan) · checked 11 October 2026