Budgets · Expenses · AIBudgeting app · Expense tracker · Jayb AI
Jayb, the AI money manager for your pocket
Track every rupee across every account, budget around your payday, save towards goals, and ask Jayb AI anything about your money.
- Talk to Jayb AI in English or Urdu
- Budgets that start on your salary day
- Family budgets for couples
- Receipts and bank statements read for you
Everything your money needs, in one app
A budget planner, an expense and income tracker, savings goals, a family budget and Jayb AI, your AI money assistant, working together.
Budgeting
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.
Learn moreExpense tracking
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.
Learn moreJayb AI
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.
Learn moreTalk to Jayb AI
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.
Learn moreReceipts and written lists
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.
Learn moreStatement checks
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.
Learn moreSpreadsheets
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.
Learn moreReports and month in review
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.
Learn moreNet worth and accounts
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.
Learn more
Savings goals
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.
Learn moreFamily budget
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.
Learn moreShared 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.
Learn moreLend and borrow
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.
Learn moreCredit cards
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.
Learn moreBills and reminders
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.
Learn moreMultiple currencies
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.
Learn moreCategories
Start with ten everyday categories, add a pack for students, salaried people, households, freelancers or shopkeepers, and leave Zakat or Khums out of budgets.
Learn moreHysab Kytab alternative
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.
Learn more
How it works
- 1
Add your accounts
Banks, wallets, cash and savings, with what's in them. Or import your history from Hysab Kytab.
- 2
Record as you go
Fill in the form, snap the receipt, or just tell Jayb AI. Repeating bills add themselves.
- 3
Steer by one number
Safe to spend today, budgets on your payday, and a month in review that tells you what to change.
Questions
What is Jayb?
Jayb is a budgeting app and money manager with Jayb AI, its built-in AI assistant. It tracks your expenses and income across every account, sets budgets that start on your payday, plans savings goals, and answers questions about your money.
Is there an AI budgeting app for Pakistan?
Yes. Jayb is a free AI budgeting app and personal finance app that works the way money works in Pakistan: amounts in rupees and lakhs, budgets that start on payday, udhaar, and Jayb AI, which understands English, Urdu and Roman Urdu. Send it a screenshot of your Easypaisa, JazzCash or bank app and it adds what's missing after you confirm.
What can Jayb AI do?
Almost everything the app can. Tell it what you spent by voice or text, ask where your money went, set budgets and goals, or send it a receipt, a bank statement or an Excel sheet. It asks when something isn't clear and waits for your confirm before bigger changes.
Can I move from Hysab Kytab to Jayb?
Yes. Import the export from the Hysab Kytab app (the Android .xls or iPhone .csv file) and every account, transfer and person comes across, with each account's balance checked against the file.
Is Jayb free?
Yes. Jayb is free to use, with every feature, including Jayb AI. It runs in the browser on any phone or computer and can be added to your phone's home screen like an app. Android and iPhone apps are coming soon.
How is Jayb different from other budget apps?
Budgets follow your salary day instead of the calendar, you can budget together as a family, Jayb AI answers with the exact transactions behind every number, and you can talk to it in English or Urdu and it answers out loud.
Does Jayb work with any bank?
Yes. You add your accounts yourself (bank, wallet, cash, savings, credit card, investments), and you can check them against your bank's statement by sending Jayb AI a PDF, a CSV or Excel export, or a screenshot of your bank or wallet app.
Which currencies does Jayb support?
Each account has its own currency, and totals are kept per currency. Rupees come first; other currencies count in your net worth at your own rate or today's market rate.
Is my data private?
Your spending, budgets and reports are yours alone, even on an account you share. Receipts and statements are stored privately and only ever shown to you.
What does the name mean?
Jayb (جیب) means pocket in Urdu. Managing your jayb means managing everything in it: your accounts, your spending and your savings.
Take charge of your jayb
Start in a minute: add your accounts, or bring your whole history from Hysab Kytab.
Create your account