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 & household budgets
Assign budgets to family members, track spending by person, and give each member their own cash float. Full household visibility — who spent what, from which budget, in real time.
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.
Currently in private beta — pricing activates at public launch. Early access members lock in a founding discount for life.
- ✓Unlimited transactions
- ✓All reports + tax return
- ✓SMS parsing
- ✓AI advisor
- ✓Everything in Solo
- ✓Up to 5 users
- ✓Household spender model
- ✓Cash floats + budgets + goals
- ✓Everything in Family
- ✓Up to 20 users
- ✓Partnership accounting
- ✓Audit trail
All plans include a 14-day free trial · No credit card required to start
Works with every Pakistani bank
Paste any bank SMS alert into ZarKul — our AI reads the amount, date, account, and transaction type automatically. No setup, no bank-by-bank configuration.
Paste any SMS
Copy an alert from HBL, Meezan, MCB, UBL, Askari, Faysal, SCB, or any other bank — ZarKul reads it.
AI reads it instantly
Amount, date, account, and transaction type are extracted automatically. Debit cards, credit cards, and transfers all supported.
You confirm, we post
Review the extracted details, confirm they look right, and ZarKul posts the double-entry transaction to your ledger in one tap.
ZarKul parses SMS alerts — it does not connect to your bank or access your account directly.
Start free. 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.
Ready to start? Sign up here →