01One place
All your money, on one screen
Cash, cards, savings, the car loan, the money a friend owes you — Ketmon adds it up into one number: what you own minus what you owe.
Personal finance · AI advisor
Dig in.Count it.Breathe.
Your money, played out ten thousand times before you have to live it once. Accounts, loans, goals and a forecast — in one app, in UZS.
- In Uzbek, Russian and English
- UZS and Central Bank rates
- Web and mobile app
What Ketmon does
Your whole financial life — in one notebook
Ketmon is more than a spending tracker. It shows where your money is, where it goes, and where you will be a year from now.
02A few taps
Log spending in seconds
Type the amount, pick a category, done. Budgets fill up as you go, and the calendar shows what is due before payday. Snap a receipt and it reads itself.
03Twelve months ahead
See where you will be in a year
Ketmon plays your year out thousands of times — with inflation, pay rises and surprise bills — and tells you the likely, the worst and the best case.
04Never surprised
Loans, bills and goals on one calendar
Add a loan once and every payment lands on the calendar. Plan an expense for a date, and it turns into a real entry when it happens.
05Reads your numbers
An advisor that knows your situation
Ask anything — the advisor answers from your own data, not generic tips. Halal mode keeps interest-based products out of the picture.
Five kinds of money movement
Buying a flat is not spending
Most apps call every outflow “spending” and every inflow “income” — so the month you took out a loan looks like your richest. Ketmon tells five kinds of movement apart, and your reports tell the truth.
Income
Salary, bonus, rent received
Counts toward budgets and spending
Expense
Groceries, utilities, cafés
Counts toward budgets and spending
Transfer
Card to cash, between accounts
Only changes what your wealth is made of
Asset
Buying or selling a flat, a car, gold
Only changes what your wealth is made of
Debt
Taking a loan or repaying the principal
Only changes what your wealth is made of
Only the interest part of a loan payment counts as spending — the principal simply reduces what you owe.
10,000 scenarios
See the future ten thousand times, not once
A single-line forecast lies: in real life pay is late, prices rise, the car breaks down. Ketmon plays your year out thousands of times with the Monte Carlo method and shows the result as a range.
Try it yourself
Surprise expenses
- Worst case
- 31.1M
- Likely
- 41.8M
- Best case
- 49.7M
in 12 months · in today's money
10 000 scenarios computed in your browser
This is a simplified example. In the app, the forecast is built from your real income, spending and loans.
Everyday helpers
Ketmon handles the chores
Log via Telegram
Message the bot “taxi 25k” and the expense lands in the right category.
Halal mode
Interest-based products and advice are left out — for those who choose an interest-free path.
Receipt scanning
Photograph a receipt — the amount, date and shop fill themselves in. Bank statements can be uploaded too.
Multi-currency
Keep accounts in dollars, roubles or euros — everything converts to UZS at the Central Bank rate.
Goals and habits
Set goals, switch on saving rules, keep a streak going and collect achievements.
Insights and reports
A financial health score, risk level, spending heatmap and monthly reports.
Security
Your data stays yours
Ketmon cannot move your money — it only keeps the books and analyses them. What you enter, only you see.
Two-factor sign-in
2FA with an authenticator app.
Email verification
Nothing can be changed on an unverified account.
Export
Download all of your data at any time.
Full deletion
Delete the account and the data goes with it.
Pricing
Simple pricing, no hidden fees
One subscription, every feature. Works the same on the web and in the mobile app.
Pricing will be announced soon. You can already create an account and look around the app.
Create accountFor business
A financial scoring API for banks and fintechs
Plug the Ketmon engine into your own product: a customer's financial health, risk level, forecast and goal probability — in one request.
Financial health score
A 0–100 score with components and recommendations.
Risk score
Stability and debt load from income and spending history.
Forecast
A Monte Carlo range for the future balance.
Goal probability
The chance of reaching an amount by a given date.
curl -X POST \ https://api.ketmon.com/api/v2/platform/health-score \ -H "X-API-Key: $KETMON_KEY" \ -d '{ "monthly_income": 14800000, "monthly_expenses": 9260000, "monthly_debt_payments": 3100000, "liquid_assets": 74150000 }' # Response (example){ "health_score": 72.4, "label": "Good", "components": { "savings_behavior": 78, "debt_risk": 61, … }, "recommendations": [ … ] }Sleep well about your money
Signing up takes a minute. After your first entry, Ketmon starts showing you your own numbers.