Your wealth. Total control.
ZarKul is the smart personal finance app built for Pakistan and the world. Track every rupee, split expenses, plan your goals, and get AI-powered insights — all in one beautiful app.
No credit card required · Free plan available · Launch offer for early users
Everything you need. Nothing you don't.
Powerful double-entry accounting under the hood. A clean, simple interface on top.
Smart expense tracking
Add expenses in seconds. Auto-categorisation powered by AI. Supports all Pakistani banks — HBL, Askari, JazzCash, EasyPaisa, Meezan and more.
Family & expense sharing
Split bills with family and friends. Equal, percentage, or custom splits. Automatic settlement tracking. Works like Splitwise — built into your finance app.
Savings goal planner
Plan for marriage, education, house, retirement or any goal. Inflation-adjusted projections. Monthly savings recommendations. Track progress visually.
Smart budgets
Set monthly budgets by category. Get alerts before you overspend. AI suggests reallocation from underspent categories. Never be surprised at month end.
AI financial advisor
Ask anything in plain language. 'How much did I spend on food last month?' 'Can I afford a vacation?' Get real answers from your real data.
Bank SMS reader
Paste any bank SMS and ZarKul reads it automatically — amount, date, account, category. On Android, get notified the moment a transaction arrives.
Simple for everyone
Three modes. One app. Works for a student or a CFO.
For everyday users
- ✓Add expense in 3 taps
- ✓See remaining budget
- ✓Track savings goals
- ✓No accounting knowledge needed
For households & families
- ✓Full dashboard & charts
- ✓Family expense sharing
- ✓All reports
- ✓AI advisor
For power users
- ✓Double-entry accounting
- ✓Sub-accounts tree
- ✓P&L statements
- ✓Investment tracking
Simple, honest pricing
Start free. Upgrade when you need more. Cancel anytime.
- ✓Unlimited transactions
- ✓All 10 reports
- ✓CSV import
- ✓AI advisor 50/mo
- ✓Everything in Starter
- ✓Budgets & goals
- ✓SMS parser
- ✓AI advisor 200/mo
- ✓Up to 5 users
- ✓Expense sharing
- ✓Real-time sync
- ✓Unlimited AI
All plans include a 14-day free trial · No credit card required to start
Built for real life in Pakistan
From tracking grocery budgets to managing investment portfolios — ZarKul handles it all in one place, with local bank support from day one.
Auto-reads HBL SMS alerts and posts transactions instantly
JazzCash and EasyPaisa transactions detected automatically
Full support for Askari, Meezan, Faysal, MCB and more
Be first. Get 40% off for life.
Join the ZarKul waitlist today. Early access members get a permanent 40% discount on any paid plan — locked in forever.
No spam. No credit card. Just early access and your lifetime discount.