May 2025 – Tashkent, Uzbekistan — Startup Garage proudly announces the official launch of Karmon AI, a groundbreaking personal finance platform founded by Habibulloh Khallokov. After months of dedicated development, the app is now live — offering a unique, AI-powered solution to everyday financial challenges across emerging and global markets.
Karmon AI simplifies personal money management by offering smart budgeting, real-time expense tracking, and personalized financial advice — all in four languages: English, Arabic, Russian, and Uzbek. This multilingual support positions Karmon AI as one of the few truly inclusive fintech platforms designed for diverse user bases across Central Asia, the Middle East, and beyond.
A Fresh Approach to Financial Wellness
Unlike traditional budgeting apps, Karmon AI blends AI-driven intelligence with user-centric design to offer:
• Automatic income and expense tracking
• Personalized financial insights via “Karmon Intelligence”
• “Karmon Split” for managing shared expenses transparently
• Interactive dashboards for smarter financial decisions
Launched in May 2025, the app has already attracted 15 paying users from Qatar, the UK, Kazakhstan, and Uzbekistan within days — demonstrating strong early validation and cross-border relevance.
Founder Habibulloh Khallokov shared, “People don’t just want to track money—they want to understand it. Karmon AI is built to make finance feel simple, intuitive, and personal, no matter where you are or what language you speak.”
With full backing and mentorship from Startup Garage, Karmon AI has evolved from an early-stage concept into a high-potential fintech product ready to scale globally. The team continues to receive support in product strategy, pitch development, and international partnerships as they prepare for rapid growth.
To learn more or try the platform, visit:
www.karmon.ai or download the app at AppStore https://apps.apple.com/gb/app/karmon-ai/id6740701827
