⚠️ Important disambiguation
When you hear "Jumble", you might think of the classic newspaper word scramble puzzle published in the USA. Jumble (jumbleapp.online) is completely unrelated — it is a Pakistani fintech personal finance application. Jumble the app is a digital khata and budget tracker built for 220+ million Pakistanis.
Our Mission
Pakistan has a deep cultural tradition of the khata — a handwritten ledger tracking udhaar (informal credit) between friends, families, and shopkeepers. Millions of Pakistanis still use paper notebooks to manage their finances.
Jumble's mission is simple: digitize the traditional khata without making it complicated. No accounting knowledge required. No subscription. No complexity. Just fast, reliable, offline-capable financial tracking that works anywhere in Pakistan — from Karachi's markets to Lahore's university campuses to a kiryana store in Multan.
The Founder
Soban Rafiq
Founder & Solo Developer · Islamabad, Pakistan
Soban Rafiq is a Flutter and native Android developer based in Islamabad. He built Jumble as a solo project to solve the friction of manual hisab kitab in his own daily life and for the millions of students, freelancers, and small business owners across Pakistan facing the same problem.
Every feature in Jumble — from the home screen widget (a first for free Pakistani apps) to the offline JSON queue sync — was built, tested, and refined based on real user feedback from 1,200+ active users.
Product Timeline
Jumble v1 launched — basic personal khata and udhaar tracking for Android
Group bill splitting and shared dual-access Khata added
PDF export and biometric app lock released
4x1 Android home screen widget launched — industry first for free Pakistani apps
Gesture-based quick-add via Accessibility Service and offline JSON queue sync
Full Budget Management System — category budgets, real-time tracking, overspend alerts
Built on Trusted Technology
Jumble is built with modern, production-grade technology designed for reliability across Pakistan's varying internet conditions — from strong 4G in Karachi to intermittent signal in rural areas.
Flutter
Cross-platform framework for Android & Web
Firebase Firestore
Scalable cloud database for real-time sync
Firebase Auth
Secure authentication system
Hive
Local key-value store for offline persistence
Kotlin + WorkManager
Native Android widget + background sync engine
Next.js
Static site generation for the landing page
5.0★
Google Play Rating
1,200+
Active Users
100%
Free Forever
0%
Data Loss Rate
Try Jumble — It's Free
Download on Android or use the web app. No account setup friction. No credit card.