Saving & Budgeting
Emergency fund, savings rate, sinking funds, the monthly money review, and the silent leaks that drain a Kathmandu paycheck.
- 9 min read
Budgeting on an irregular income: a system for freelancers and shopkeepers in Nepal
A budgeting system for Nepali freelancers and shopkeepers whose income swings month to month: budget to your floor, pay yourself a salary, and set aside tax on receipt.
GuideNepalBudgetingFreelanceCashflowTaxRead post - 8 min read
How to buy your first share on NEPSE: the TMS step-by-step
A Demat account alone won't let you buy a share. Here is the full chain — Demat, Mero Share, broker, and TMS — and how to place your first NEPSE buy order.
GuideNepalNEPSEInvestingPersonal FinanceRead post - 8 min read
FPO vs IPO in Nepal: what's the difference and should you apply?
An IPO sells at Rs 100. An FPO can cost Rs 157 or Rs 280. Here is why FPOs are priced at a premium, how allotment works, and whether the listing gain is worth it.
GuideNepalNEPSEIPOInvestingRead post - 8 min read
Digital wallet limits in Nepal: how much you can load, hold, and send at each KYC tier
Why your eSewa or Khalti transfer got blocked: the NRB caps, the KYC cliff at Rs 5,000, and the exact load, balance, and send limits for verified and unverified wallets.
GuideNepalDigital MoneyeSewaKhaltiNRBRead post - 9 min read
What to do with money when someone dies in Nepal: bank, FD, PF, insurance, and shares
When someone dies in Nepal, their bank, FD, PF, CIT, SSF, insurance, and shares must each be claimed separately. The documents, the process, and the traps.
GuideNepalInheritanceEstatePersonal FinanceRead post - 7 min read
What to do with your first salary in Nepal
Got your first salary in Nepal? The PAN and SSF setup, how much tax you actually pay, the emergency fund, and the first-paycheck mistakes worth skipping.
GuideNepalSalaryBudgetingPersonal FinanceRead post - 8 min read
Recurring deposit vs FD in Nepal: the math for monthly savers
A 5% recurring deposit does not pay like a 5% FD. The real effective return is roughly half, because your money isn't in for the full term. Here's the math, with current rates.
GuideNepalBankingSavingFDRead post - 16 min read
Why is the Nepali rupee pegged to the Indian rupee? What the 1.6 rate means for your money
The Nepali rupee has been fixed at 1.60 per Indian rupee since 1993. Why the peg exists, why your dollar buys 152 rupees and not a fixed number, and what it costs you.
GuideNepalExchange RateNRBPersonal FinanceUSDRead post - 8 min read
ConnectIPS vs mobile banking: fees, limits, and when to use which
ConnectIPS or your bank's app? The real fees, the per-transaction limits (Rs 20 lakh vs your bank's cap), and which digital rail to use for each kind of payment in Nepal.
GuideNepalDigital PaymentsConnectIPSBankingRead post - 11 min read
FD laddering in Nepal: stay liquid and still earn fixed-deposit rates
Splitting one big FD into a ladder of 3, 6, 12-month and longer deposits keeps a chunk maturing regularly so you skip the premature-withdrawal penalty. Here's the math at current 2082/83 rates.
GuideNepalBankingFDInvestingRead post - 11 min read
Salary negotiation in Nepal: how to ask for an increment without burning the relationship
The legal floor in Nepal is roughly 1.7%/year — well below inflation. Here is the data to anchor on, the timing to use, and the conversation script that asks for more without breaking the relationship.
GuideNepalSalaryCareerPersonal FinanceRead post - 12 min read
Bank Statement Decoded: 20 Codes and Abbreviations on Your Nepali Statement
Decode IPS, NCHL, ABBS, RTGS, IBFT, TTR, MICR, and the 13 other codes that show up on every Nepali bank statement. Real limits, real fees, real rules.
GuideNepalBankingStatementRead post - 13 min read
How to Choose a Savings Account in Nepal: Beyond the Interest Rate
Class A banks pay 2.48% to 3.25% on savings in May 2026. The DCGF Rs 5 lakh limit, CAR, NPL, hidden charges, and the four decisions that actually matter.
GuideNepalBankingSavingsRead post - 10 min read
Lifestyle inflation after a promotion: where your raise really goes
Got a Rs 35,000/month raise in Nepal? After the tax bracket, inflation, and the slow upgrade of everything, here's what's actually left in your account.
GuideNepalSalaryBehavioral FinanceCareerRead post - 15 min read
How Kharchapatra works: a walkthrough of the Nepali finance app, from signup to monthly review
A start-to-end tour of Kharchapatra — accounts, statements, budgets, goals, analytics, the tax helper, and the 15-minute monthly review.
GuideNepalKharchapatraProductWalkthroughPersonal FinanceRead post - 13 min read
The first Rs 10 lakh: why it's harder than the next 10 (and what that means on a Nepali salary)
The math behind why your first Rs 10 lakh takes years and the next one takes much less — at Nepal's FD, CIT, and NEPSE rates — and the order of operations to get there.
GuideNepalSavingInvestingCompoundingPersonal FinanceRead post - 22 min read
Nepal Money Basics: a complete guide to personal finance in Nepal
A pillar guide to personal finance in Nepal — taxes, salary, saving, retirement (CIT/PF/SSF), insurance, home loans, NEPSE, and budgeting in NPR.
GuideNepalPersonal FinanceHubPillarRead post - 9 min read
The monthly money review: a 15-minute ritual that fixes most budgets
Most budgets fail not for lack of a plan, but lack of a check-in. A simple monthly review — five questions, fifteen minutes — that surfaces leaks before they compound.
GuideHabitBudgetingReviewNepalRead post - 11 min read
7 hidden subscriptions eating your monthly budget — Nepal edition
Streaming trials, AI tools, family-shared plans you stopped using. The seven categories where the leak is biggest in Nepal — plus a 30-minute audit that fixes it for the year.
GuideNepalSavingSubscriptionsRead post - 9 min read
The 72-hour rule: a cheap trick that kills most impulse buys over Rs. 5,000
Wait three days before any non-essential purchase over रू 5,000. The urge usually fades, the maths usually changes, and the wallet stays full — here's how to set it up in Nepal.
GuideNepalBehavioral FinanceSpendingRead post - 9 min read
Sinking funds: the trick that makes Dashain and Tihar spending painless
Festival spending isn't an emergency — it happens every year, on a known date. A sinking fund spreads the cost across 12 months so Dashain stops borrowing from January.
GuideNepalSavingFestivalsDashainRead post - 7 min read
How big should your emergency fund be in Kathmandu? A 3-month vs 6-month vs 12-month gut check
How big should your emergency fund be in Kathmandu? 3 months is the floor, 6 is comfortable, 12 is for the self-employed — with real रू numbers.
GuideNepalSavingEmergency FundKathmanduRead post - 7 min read
How much should you save from your salary in Nepal? The 50/30/20 rule, adapted for रुपैयाँ
What the 50/30/20 rule looks like at रू 25,000, रू 50,000, and रू 80,000+ a month in Nepal, and where to actually put what you save.
GuideNepalSavingBudgetingSalaryRead post - 3 min read
Welcome to Kharchapatra — a personal finance tracker for Nepal
Why we built a budget app around Nepali bank statements, रुपैयाँ, and Bikram Sambat — and what you can do with it from day one.
AnnouncementNepalPersonal FinanceRead post