Your money,
finally in Nepali.
Drop in your bank or wallet statement and let the app do the filing. Budget in रुपैयाँ, track goals and EMIs, and read your tax in Bikram Sambat — the calendar your accountant actually uses.
Free during beta · No card required · Now on Android · See how it works →
We never see your bank password. Kharchapatra works on statements you export yourself — no Open Banking, no screen-scraping. Uploads are encrypted in transit and only the parsed transactions are kept.
Statements from the institutions you actually use
Don't see yours? Any bank that exports CSV, PDF, or Excel works — Kharchapatra auto-detects columns or lets you map them manually.
Everything you actually need. Nothing you don't.
Most expense apps are built for Western banks with neat APIs. Kharchapatra starts from a simpler reality: you have a bank statement PDF, a wallet export, and the ten minutes you actually have.
Drop a statement, get clean transactions
Upload CSV, PDF, or Excel from any bank or wallet. Kharchapatra auto-detects columns, lets you tweak the mapping, and dedupes rows you've already imported.
- Auto-detects Nepali bank formats
- Re-mappable column picker
- Skips duplicate rows
- OCR fallback for scanned PDFs
Auto-categorisation
150+ English & Nepali keywords sort transactions into 24 categories — पसल, खानपिन, यातायात, and more. Your overrides always stick.
Multi-account net worth
Bank, wallet, cash. One unified balance view, individual statements, no spreadsheet maths.
Budgets that nudge
Set monthly limits per category. Get a heads-up at 80% and again when you cross — not after the month closes.
Goals & EMIs
Save toward a trip, an iPhone, or a house. Track loan payoffs and EMIs alongside everyday spending.
Phone & web, in sync
Capture a transaction on the go, review trends on your laptop. Conflict-aware sync, encrypted in transit.
It speaks Nepal — by default.
No region setting buried in preferences. No converting to USD in your head. The app you open already knows what रू means and which year it is in BS.
Bikram Sambat alongside AD
Every transaction shows both BS and AD dates. Filter by Nepali fiscal year. Set goals to land on Dashain.
Nepali tax brackets, built-in
A tax helper that knows current Nepal slabs — no spreadsheet, no tax-day panic.
Categories users actually use
Khaja, kirana, electricity, monthly EMI — categories named the way you describe spending out loud.
Run the numbers before you sign anything.
Eight calculators in NPR, in lakh and crore — no account needed, and every result is a link you can send to whoever is asking.
SIP calculator
What a monthly mutual-fund SIP grows into — with the annual step-up option most calculators skip.
EMI calculator
The reducing-balance EMI every Nepali bank charges, plus the year-by-year split of principal vs interest.
Inflation calculator
What today's rupees will cost later, and what idle cash quietly stops buying.
FIRE calculator
Your financial-independence number and the year your corpus crosses it — Nepal-adapted withdrawal math.
Stamp duty / registration calculator
Malpot registration fee, the Bagmati surcharge, and seller CGT on a property deal.
Income tax calculator
Slab-wise salary tax for FY 2083/84, with the SSF waiver and deduction caps.
NEPSE capital gains calculator
Broker commission, SEBON fee, DP charge, and capital gains tax on a share sale, by holding period.
Remittance rate & cost comparator
Which of two remittance quotes actually delivers more NPR — receiving is free, the rate is the whole story.
Three steps to know where every rupee went.
Add your accounts
One bank, three wallets, plus cash — pick from a list of 10+ Nepali institutions. Set opening balances and you're ready.
Import or enter as you go
Drag in a bank statement to backfill the past month. Add new transactions manually whenever cash leaves your wallet.
Watch the patterns
Budgets, trends, category drill-downs, and a financial health score — read at a glance, no spreadsheet required.
Nepali banks & wallets
with named import support
EN & Nepali keywords
across 24 categories
dual-calendar throughout
fiscal years, due dates, goals
Money guides written for Nepal.
Plain-language posts on FDs, CIT, mutual funds, salary slips, and the small habits that move a Nepali household balance sheet.
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The Rs 30 billion tax bill behind Nepal's internet price hike
Nepal's ISPs billed half your internet as tax-free maintenance. The Supreme Court ended that, leaving a Rs 30 arba tax bill and a threatened 50-100% price hike.
Common questions, plain answers.
Everything we get asked in the first five minutes.
Is Kharchapatra free?
Yes — Kharchapatra is free during the public beta. Account creation, statement imports, budgets, goals, and the BS calendar all work without a card. Pricing for advanced features will be announced before anything stops being free, and personal use of the core tracker is intended to remain free.
Which Nepali banks and wallets does Kharchapatra support?
You can import statements from any Nepali commercial bank that lets you export CSV, PDF, or Excel — that includes NIC Asia, Nabil, Global IME, Standard Chartered, NMB, Himalayan, Prabhu, Siddhartha, and most others. eSewa, Khalti, and IME Pay statements (Excel/CSV) are auto-detected. Manual entry works for cash, hundi, or any account that doesn't issue statements.
Is my bank data safe with Kharchapatra?
We never see your bank password or login credentials. Kharchapatra works on statements you export yourself — there's no Open Banking connection or screen-scraping involved. Uploaded statements are encrypted in transit, stored on Nepal-region infrastructure where possible, and only the parsed transactions (not the original PDF) are kept long-term unless you ask otherwise.
Does Kharchapatra support Bikram Sambat dates?
Yes, BS is a first-class citizen, not a setting buried in preferences. Every transaction shows both BS and AD dates, you can filter by Nepali fiscal year (Shrawan to Asar), set goals to land on Dashain or Tihar, and see your tax estimates against the current FY's slabs.
Can I use Kharchapatra on phone and web?
Yes. The Android app is live on Google Play, alongside the web dashboard, and both sync the same account in real time. Capture a transaction on the go from your phone, review trends and run analytics on your laptop. Sync is conflict-aware so edits from either device merge cleanly.
How long does it take to get started?
About five minutes. Create an account, add your bank and wallet accounts (pick from a preset list of Nepali institutions or add custom ones), set opening balances, and drop in last month's statement. Auto-categorisation handles the bulk of tagging — you only need to override the ones it gets wrong.
Ready to actually understand your spending?
Free during beta. No card. Five minutes to set up — your first statement import takes care of last month.
