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The AI money manager for your pocket

The name and the idea behind it

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Start with ten everyday categories, add a pack for students, salaried people, households, freelancers or shopkeepers, and leave Zakat or Khums out of budgets.

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.

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.

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.

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.

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.

Tell Jayb AI "chai 150 cash se" and it's saved, typed or spoken. A daily expense tracker that's quicker than a notebook.

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.

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'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.

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 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.

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.

A short summary of Jayb and every page

Every page in one plain-text file