What Kharchapatra is
Kharchapatra (खर्चपत्र) is two things. It is a personal finance tracker that understands Nepali bank statements, wallet exports, and the Bikram Sambat fiscal year — and it is a library of plain-language guides and calculators on the money questions Nepalis actually face: income tax slabs, NEPSE and IPOs, fixed deposits, remittance, land and gold, insurance, and retirement funds like EPF, CIT, and SSF.
It exists because most personal-finance advice on the internet is written for India or the US, and quietly wrong for Nepal. The deduction caps are different, the withholding rates are different, the products on the shelf are different. Kharchapatra writes for the Nepali reality first.
How the content is researched
Every guide is checked against primary sources wherever one exists: the Income Tax Act 2058 and each year's Finance Act, Inland Revenue Department publications, Nepal Rastra Bank directives and circulars, SEBON and NEPSE rules, and the Department of Customs schedules. Where a claim rests on reporting rather than statute, we cite established Nepali press. Sources are linked inline at the claim they support, so you can verify the number yourself.
Rates and rules in Nepal move with every budget. Posts carry a visible “Updated” date, and when a Finance Act changes a figure — a duty doubles, a slab shifts, a cap is unified — the affected guides are revised rather than left to rot. If you spot something stale or wrong, please tell us; corrections ship fast.
None of it is individual financial, tax, or investment advice. The guides explain the rules and the math; your decisions should account for your own situation, and for the big ones a licensed professional is worth the fee.
The product, briefly
The tracker imports CSV, PDF, and Excel statements from Nepali banks and wallets, auto-categorises transactions, and shows budgets and trends in rupees, on the Nepali fiscal calendar. It is currently in beta and free to use — create an account if you want to try it. The public website shows ads; the app and your financial data never do, as covered in the privacy policy.