# Jayb

> Jayb is an AI budgeting app and money manager. Track expenses and income across every account, set budgets that fit how you're paid, save towards goals, budget together as a family, and ask Jayb AI, the built-in AI assistant, anything about your money.

Jayb (https://www.jayb.io) is a web app that runs in the browser on a phone or a computer, and can be installed on a phone's home screen. Its screens are in English, and it understands Urdu and Roman Urdu where people type and talk. It's rupees first, with other currencies supported. "Jayb" (جیب) is Urdu for pocket.

## Key facts

- Jayb is free to use, with every feature including Jayb AI, on the web on any phone or computer. Android and iPhone apps are coming soon. Sign up with email or Google at https://www.jayb.io/sign-up.
- Record money with the full form, by telling Jayb AI in your own words ("chai 150 cash se", typed or spoken), or by sending a picture, PDF or spreadsheet.
- Jayb AI is the built-in AI money assistant. Talk to it in English or Urdu and it answers out loud, or type and it answers on screen. It can do almost everything the app can: record, edit and delete transactions; manage accounts, people, categories, budgets, goals, sharing and settings; settle up; and answer questions about your money with charts and a sources card listing the exact transactions.
- Jayb AI acts straight away only when it's sure; otherwise it asks one short question with answers to tap. Risky changes (deleting, closing an account, anything from a document) wait for the user's Confirm tap, and changes can be undone.
- Jayb AI reads receipts, bills, handwritten pages, messages, bank, card and wallet statements, screenshots of Easypaisa, JazzCash or bank app history, and CSV and Excel files, and turns them into transactions or reconciles them against an account.
- Budgets can start on the user's salary day (any day from 1 to 28), with weekly, monthly and yearly budgets, carry-over, suggestions from past spending, a daily safe-to-spend number, and family budgets for couples.
- Accounts: bank, cash, wallet, savings, investment, credit card (with limit, statement and due days, and a due reminder) and person accounts for money lent and borrowed. Each account has its own currency; net worth counts other currencies at the user's own rate or today's market rate.
- Accounts can be shared with another Jayb user; each person's spending, reports and budgets stay their own.
- Imports a Hysab Kytab export (Android .xls or iPhone .csv) with every account reconciled and every year of history kept.
- Jayb doesn't log in to banks: users record entries themselves, or send a statement or screenshot to check an account.

## Features

- [Budgeting](https://www.jayb.io/features/budgeting-app.md): Budgets that start on your salary day: a monthly cap, category and combined budgets, weekly and yearly budgets, carry-over, suggestions and a safe-to-spend number every day.
- [Expense tracking](https://www.jayb.io/features/expense-tracker.md): Tell Jayb AI 'chai 150 cash se' and it's saved. An expense and income tracker for every account, with a calculator, receipts and repeating bills.
- [Jayb AI](https://www.jayb.io/features/ai-money-assistant.md): An AI money assistant you talk or type to in English or Urdu. It records and edits your money, reads receipts and statements, and answers with sources.
- [Talk to Jayb AI](https://www.jayb.io/features/voice-expense-tracker.md): Tap the mic and say 'petrol 3000 from cash', or ask where your money went. Jayb AI understands English and Urdu, answers out loud, and does the rest.
- [Receipts and written lists](https://www.jayb.io/features/receipt-scanner.md): Send a photo of a receipt, a bill, a payment confirmation or a handwritten page. Jayb AI reads it and turns it into transactions, without duplicates.
- [Statement checks](https://www.jayb.io/features/bank-statement-reconciliation.md): Send a bank, card or wallet statement, or a screenshot of Easypaisa, JazzCash or your bank app. Jayb AI checks every line and shows exactly why the balance differs.
- [Spreadsheets](https://www.jayb.io/features/import-expenses-from-excel.md): Send any CSV or Excel file: an expense sheet, a home budget, a list of accounts. Jayb AI reads it, answers questions, and turns rows into transactions.
- [Reports and month in review](https://www.jayb.io/features/spending-reports.md): See where your money goes: spending pace, categories against your usual and a 12-month trend. Then a month in review that tells you what to change next.
- [Net worth and accounts](https://www.jayb.io/features/net-worth-tracker.md): All your banks, wallets, cash, cards, savings and investments in one place, with your net worth, its 12-month history and what you're owed and owe.
- [Savings goals](https://www.jayb.io/features/savings-goals.md): Set a target and a date and see exactly what to put aside each month or week, on track or behind. Money moved into savings never counts as spending.
- [Family budget](https://www.jayb.io/features/family-budget.md): Budget together with your husband or wife: a family cap and category budgets that add up both of your spending, while each of you keeps your own accounts.
- [Shared accounts](https://www.jayb.io/features/shared-accounts.md): Share a joint bank account, a wallet or household cash with someone on Jayb. Both see the balance and can add to it, while each person's spending stays their own.
- [Lend and borrow](https://www.jayb.io/features/debt-tracker.md): Keep track of who owes you and who you owe. Lending never lowers your net worth, settle up when it's paid or forgiven, and send a polite WhatsApp reminder.
- [Credit cards](https://www.jayb.io/features/credit-card-tracker.md): Track what you owe on each credit card, your limit and available credit, the statement and due days, and get a reminder three days before payment is due.
- [Bills and reminders](https://www.jayb.io/features/bill-reminders.md): Repeating bills added for you, yearly bills spread over months, a 9pm nudge, weekly and monthly summaries, and card and budget alerts on your phone.
- [Multiple currencies](https://www.jayb.io/features/multi-currency-expense-tracker.md): Keep dollar, euro, dirham and rupee accounts side by side. Each account has its own currency, and your net worth counts them at your own rate or today's market rate.
- [Categories](https://www.jayb.io/features/expense-categories.md): Start with ten everyday categories, add a pack for students, salaried people, households, freelancers or shopkeepers, and leave Zakat or Khums out of budgets.
- [Hysab Kytab alternative](https://www.jayb.io/features/hysab-kytab-alternative.md): Import your Hysab Kytab export (Android .xls or iPhone .csv) with every account reconciled, every year of history kept, payday budgets and Jayb AI in Urdu.

## Articles

- [Budgeting apps in Pakistan in 2026: an honest comparison](https://www.jayb.io/blog/best-budgeting-apps-pakistan.md): Jayb, MyHisaab, Kepto, Hysab Kytab, Wallet, Money Manager and more compared on price in rupees, AI, Urdu, statements and udhaar, from each app's own pages.
- [Apps like Hysab Kytab, and how to bring your history with you](https://www.jayb.io/blog/apps-like-hysab-kytab.md): Hysab Kytab's apps were last updated in 2023. Here's what to look for in an app like Hysab Kytab, and how to bring every year of your history into Jayb.
- [How to budget your salary, from payday to payday](https://www.jayb.io/blog/how-to-budget-your-salary.md): A simple way to plan your salary month: start the budget on payday, set a cap and a few category limits, keep what's left, and know what's safe to spend each day.
- [How to keep track of udhaar without the awkwardness](https://www.jayb.io/blog/track-udhaar.md): Keep a clear record of who owes you and who you owe, without it looking like spending, and send a polite WhatsApp reminder when it's time.
- [Track your daily kharcha in one line](https://www.jayb.io/blog/daily-kharcha-tracker.md): Tell Jayb AI "chai 150 cash se" and it's saved, typed or spoken. A daily expense tracker that's quicker than a notebook.
- [An AI expense tracker that reads what you already have](https://www.jayb.io/blog/ai-expense-tracker.md): Send Jayb AI a receipt, a bank statement, an Easypaisa or JazzCash screenshot, a handwritten page or an Excel sheet. It reads every line and asks before it adds anything unclear.
- [Automatic expense tracking, without linking your bank](https://www.jayb.io/blog/automatic-expense-tracker.md): What an automatic expense tracker can do when banks don't connect to apps: repeating bills, categories filled in, and statements and screenshots turned into entries.
- [Jayb for Android and iPhone is coming soon](https://www.jayb.io/blog/jayb-android-iphone-apps.md): Jayb's Android and iPhone apps are on the way. Until then, Jayb is free on the web on any phone or computer, and can be added to your home screen like an app.
- [AI budgeting apps in 2026, and which ones work in Pakistan](https://www.jayb.io/blog/best-ai-budgeting-apps.md): Rocket Money, Monarch, Cleo, Copilot, Waypoint, Rolly, MyHisaab, Kepto and Jayb: what each app's AI really does, and which you can use in Pakistan.
- [Jayb vs MyHisaab](https://www.jayb.io/blog/jayb-vs-myhisaab.md): Jayb and MyHisaab both let you log spending by voice or text in Urdu and English. Here's how they differ on price, budgets, udhaar and statements.
- [Jayb vs Kepto](https://www.jayb.io/blog/jayb-vs-kepto.md): Kepto reads your bank statements for free; Jayb is a free AI money manager that also checks statements. Here's what each does and when to use which.

## More

- [About Jayb](https://www.jayb.io/about): the name means pocket in Urdu; the app manages everything in it
- [Everything above in one file](https://www.jayb.io/llms-full.txt)
- [All features](https://www.jayb.io/features)
- [Site map](https://www.jayb.io/site-map): every page, as a web page
- [Blog](https://www.jayb.io/blog)
- [Privacy policy](https://www.jayb.io/privacy)
- [Terms of service](https://www.jayb.io/terms)