Pupupul
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Your money under control,for you and your business

Pupupul brings all your money into one place: cards, accounts, cash and currencies. See how much you have, where it goes and whether it lasts until the end of the month. For a business, also profit, balance sheet and plan.

Start for freeWatch the demo
  • Free plan forever
  • Demo without sign-up
  • Phone and computer
  • Made in Uzbekistan
PPupupulZerno coffee shopCompanyCashflowTransactionsReportsPayment calendarANALYTICSP&LBudget & actualsScenariosCalculatorsBalance sheetFinancial checkupHelpYour planBusinessFriday, 9 October12:30FX rate1$ = 11 809 UZS↗18buy11 750· sell11 868ARAziz RakhimovSummaryBy flowsPayment calendar“Beware of little expenses,a small leak will sink a great ship”1 – 30 September 2026CustomizeBalance on 30 September120 764 435+25% ↗Income+72 210 000+9.7% ↗Expenses−47 733 080+11% ↗Transactions50Money will last3.2 mo.at 40 996 414 UZS/mo in expensesMy cardsManage →All cards133 024 435 UZStotal balanceMain cardHumo Business54 490 000 UZSKapitalbankCurrent account36 910 000 UZSCash desk37 480 000 UZSTransactions2026JunJulAugSepOctNovQuarterly dividendsKapitalbank−5 000 000 UZSCash deposited to the bankCash desk → Kapitalbank15 000 000 UZSMilk and cream, marketCash desk−280 000 UZSHall revenueCash desk+3 420 000 UZSAdd transaction
9:41PPupupulZerno coffee shopARFX rate1$ = 11 809 UZS↗18buy 11 750 · sell 11 868CashflowP&LBalanceCheckupSummaryBy flowsPayment calendar1 September – 30 September 2026Balance on 30 September120 764 435+25%Income+72 210 000+9.7%Expenses−47 733 080+11%Transactions50My cardsManage →All cards133 024 435 UZStotal balanceMain cardHumo Business54 490 000 UZSHomeTransactionsReportsProfileAdd

Money will last

2.8 months

at 44.7M in expenses a month

Features

All your finances in one place

No more merging sheets from three banks and a notebook of cash.

  • 01

    Cards, accounts, cash and currencies

    Each card in its own currency: som, dollars, euros, rubles, tenge. The central bank rate is filled in for you, or enter your own.

  • 02

    On phone and computer

    Open pupupul.uz and add it to your home screen, it works like an app. Your data is the same everywhere.

  • 03

    Safe and private

    Only you and the people you invite see your transactions. Database backups every day.

  • 04

    Together with family and team

    A shared space for your family or company: full access for a partner, view only for an accountant.

Analytics

Clear reports instead of spreadsheets

See where your money goes, which categories grow and what you can cut. All numbers are calculated from your transactions.

  • Cashflow: how much came in, went out and is left on each card
  • Expenses by category as bars with their share in percent
  • Totals by currency and the exchange difference
  • Filters by cards, categories, suppliers and dates
  • Export to Excel and import a statement from any bank
See the reports in the demo
ExpensesIncome
September
Total47,732,578 UZS
  • Coffee and milk16.7M35%
  • Barista salaries12M25.1%
  • Pastries from a supplier4.7M9.8%
  • Turnover tax2.4M5%
  • Marketing1.9M4%

By currency

In UZS
116,620,000
In USD
350.95
Exchange difference
+330,000

Latest transactions

  • Yandex Eats, payoutMain card+2,220,000
  • Coffee Import LLCKapitalbank−3,260,000
  • Tourists, cash dollarsCash desk · 300 USD+3,870,000
  • Tandyr bakeryMain card−1,110,000

Numbers from the Zerno demo coffee shop, open it without signing up.

Who it is for

One tool for different jobs

Personal money and business money live in separate spaces and never mix.

For yourself

  • All cards, accounts and cash in one place
  • Expenses by category and a payment calendar
  • A family budget for two, each with a personal one too
See it in the demo
9:41PPupupulPersonal cashflowARFX rate1$ = 11 809 UZS↗18buy 11 750 · sell 11 868CashflowP&LBalanceSummaryBy flowsPayment calendar1 September – 30 September 2026Balance on 30 September17 000 000−9.4%Income+5 000 000Expenses−6 770 000−1%Transactions11My cardsManage →All cards14 720 000 UZStotal balancePersonal Uzcard2 720 000 UZSHomeTransactionsReportsProfileAdd

For business

  • Cashflow, P&L and Balance sheet for each company
  • Margins, break-even point, budget with seasonality
  • Team and accountant with different access rights
See it in the demo
PPupupulZerno coffee shopCompanyCashflowTransactionsReportsPayment calendarANALYTICSP&LBudget & actualsScenariosCalculatorsBalance sheetFinancial checkupHelpYour planBusinessFriday, 9 October12:30FX rate1$ = 11 809 UZS↗18buy11 750· sell11 868ARAziz RakhimovP&LProfit and loss by month, in UZSSeptember 2026Monthly reportMargins for 2026Gross margin68%Operating margin31%Return on sales30%Excellent2026JulAugSepOctTotal% of revenueRevenue65 610 00065 800 00072 210 00015 440 000219 060 000100%Cost of sales-22 450 000-21 590 000-21 400 000-5 010 000-70 450 00032%Gross profit43 160 00044 210 00050 810 00010 430 000148 610 00068%Operating expenses-27 072 578-27 132 578-27 032 5780-81 237 73337%Operating profit16 087 42217 077 42223 777 42210 430 00067 372 26731%Gross profit, September50 810 000 UZS70% of the month's revenueOperating profit, September+23 777 422 UZS≈ 2 014 USD at the central bank rate 11 809
What is inside

From tracking money to business decisions

  • All plans

    Cashflow

    Money by payment date: balance, income, expenses, cards.

  • All plans

    Payment calendar

    What comes in and goes out over 30 days, with a cash gap warning.

  • Mini and Business

    P&L

    From revenue to net profit: cost of sales, expenses, taxes.

  • Mini and Business

    Balance sheet

    What the business owns and how it is funded, built from your data.

  • Business

    Budget and seasonality

    A monthly plan with seasonal factors and plan vs actual.

  • Business

    Margins and financial checkup

    Margins, break-even point and 12 business health indicators with a traffic light.

Business finance courseIn Russian

“The Language of Money”

By Umar Alimov

Pupupul does the math, the course teaches you to understand it. Learn to read reports, manage business money and decide by numbers, not by gut feeling. The course is taught in Russian.

Sign up for the courseAbout the course
  1. 01I read financial reportsCash flow: three money streams · Balance sheet: what the business owns and how · P&L: the waterfall from revenue to net profit
  2. 02I manage financesFinancial stability · Turnover and the cash cycle · Break-even point and safety margin
  3. 03I make financial decisionsFinancial checkup with 12 indicators · Financing: the real cost of a loan, DSCR · Owner's money and a market salary
Knowledge base

Calculators and articles for people who count money

Work out a loan, margin or break-even point in a minute, no sign-up needed. Calculators and articles are in Russian.

All calculators

Articles by topic

Money, reports and decisions in plain words

In Russian
All articles
How to start

Your first money picture in 10 minutes

  1. Step 1

    Sign up

    Email or Google, free and no card needed. One minute.

  2. Step 2

    Add your cards

    Cards, accounts and cash with current balances. Five minutes.

  3. Step 3

    Add transactions

    By hand in seconds or with a statement from any bank.

  4. Step 4

    Read the reports

    Cashflow shows right away where your money goes.

Watch how to start, 2:35

Sign-up, the first card, an expense, an income and a transfer in one video. Then short lessons on budgets, goals, bank statements and business accounting. Videos are in Russian.

All video lessons
Start for freeDemo first
Trust

Reliable, convenient and honest

  • Only you have access

    Every record in the database is protected by access rules: other people's data stays closed even to a direct request.

  • Backups

    The database is backed up every day, backups are kept for a week.

  • Five currencies

    UZS, USD, EUR, RUB and KZT, the central bank rate every day or your own rate.

  • Look first

    A full demo with a made-up coffee shop, no sign-up needed.

Pricing

Personal money, family and business

Two lines: for yourself and your family, and for business. Free and Mini are free forever, and you can try Business for free until the end of next month. All data stays whenever you switch plans.

Personal and family

Your money and your family's

  • Free

    0 som

    Free forever

    Start seeing your money today

    • Money: income, expenses, transfers between cards
    • Payment calendar with a balance forecast
    • Monthly budget: plan and actual by category
    Start for free

  • Family

    Popular

    On request

    A family, or one person without limits

    Family money in one place

    • Everything in Free
    • Up to 2 family spaces, up to 5 people in each
    • 10 cards and accounts, 10 income and 40 expense categories
    Choose Family

Business

Companies, finance pros and accountants

  • Mini

    0 som

    Free forever

    Money and profit of a small business

    • Cashflow and payment calendar
    • P&L: from revenue to net profit
    • Balance sheet: assets, liabilities, equity
    Start for free

  • Business

    Popular

    On request

    Business owner

    See not only money, but profit too

    • Everything in Mini, plus Family for personal money
    • Up to 5 companies, each with 10 cards, 15 income and 50 expense categories, up to 6 people
    • A financial checkup with 12 indicators
    Choose Business

  • Finance Pro

    On request

    Finance manager, outsourced accountant

    A finance pro cabinet: all clients in one window

    • Everything in Business
    • Up to 10 companies, each with 20 cards, 30 income and 100 expense categories, up to 10 people
    • Client overview: balance, profit, checkup signals
    Choose Finance Pro

Paid plans are activated after sign-up: Profile, then Plan, then “Activate”.

Questions

FAQ

Didn't find an answer? Write to us from your Profile, in the “Feedback” section.

Is it free?+

Yes, the Free plan is free forever: the full Cashflow, payment calendar, import, reports, 3 cards and a shared space for two. For business, the Mini plan is free: Cashflow, P&L and Balance sheet for one company. Paid plans are for more cards, people and companies or for deeper business analytics: margins, break-even point, financial checkup, budget with seasonality.

Is my data safe with you?+

Only you and the people you invite see your transactions. Access is restricted at the database level, sign-in is with a password or Google, and backups are made every day. The site never asks for or stores bank passwords or card numbers.

Do I need to connect my bank?+

No. Add transactions by hand in a few seconds or upload a file: a statement from any bank or your own Excel sheet, the site finds the columns itself. It also finds duplicates and asks what to do with them.

Can I keep accounts with my family or accountant?+

Yes. For a family there is the Family plan: a shared family space for up to 5 people with a budget and goals. For a business, create a company and invite your accountant by email: full access or view only. Nobody sees your Personal cashflow.

What if my money is in dollars?+

Add a dollar card and its balance is shown in dollars. If you received dollars on a som card or in cash, enter your rate and the site calculates the difference against the central bank rate.

Is there a phone app?+

Open pupupul.uz in your phone browser and choose “Install app” or “Add to Home Screen”. Pupupul appears on your home screen and opens without the address bar, like a regular app.

Take control of your money

Free sign-up · No card or payment · Demo without sign-up

Sign up for freeWatch the demo