Saving and budgeting in Nepal
How much to save from a Nepali salary, how big an emergency fund should be in Kathmandu, sinking funds for Dashain and Tihar, and the small daily leaks that eat a paycheck. Worked in rupees, with the savings and FD rates banks actually pay.
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- How much should you save from your salary in Nepal? The 50/30/20 rule, adapted for रुपैयाँ
- How big should your emergency fund be in Kathmandu? A 3-month vs 6-month vs 12-month gut check
- Sinking funds: the trick that makes Dashain and Tihar spending painless
- Pay yourself first: automating savings on a Nepali salary before you can spend it
- The monthly money review: a 15-minute ritual that fixes most budgets
Run your own numbers with the Inflation calculator.
- 10 min read
Lock in before the hike? The 12-month WiFi prepay math in Nepal
A 12-month WiFi plan in Nepal costs about 12% less than paying quarterly. What prepaying saves, what it does not protect you from, and who should do it.
- 10 min read
Mobile data vs home fibre after the hike: is a Ncell or NTC data pack now cheaper in Nepal?
Ncell's Rs 799 pack gives 200 GB with unlimited calls; home fibre now starts near Rs 815 to Rs 1,075. When mobile data beats WiFi in Nepal, and when it doesn't.
- 8 min read
Rs 751 to Rs 905 overnight: why your WiFi bill just went up in Nepal (and the bigger hike coming)
From Asoj 19, 2083, Nepal's ISPs stopped selling plans below 50 Mbps, and Subisu's cheapest went from Rs 751 to Rs 905. What changed, why, and what comes next.
- 10 min read
Your Food budget is four budgets: splitting groceries, khaja, eating out and delivery in Nepal
NRB's new price index moved restaurants out of food, and afternoon khaja now outweighs lunch in it. Why one Food line hides four budgets, and how to split it.
- 16 min read
Your Gulf employer owes you: end-of-service gratuity and unpaid wages, country by country, and how to claim from Nepal
What a Nepali worker is owed in rupees on leaving the UAE, Qatar, Saudi, Kuwait, Oman or Bahrain, the one-year claim clocks, and what Nepal can recover.
- 14 min read
Online betting in Nepal: the law, the blocked sites, and what Rs 5,000 a week costs over 10 years
Betting is a crime in Nepal under Penal Code Section 125: up to a year in jail, Rs 10,000 and the stake forfeited. Rs 5,000 a week is Rs 26 lakh over a decade.
- 17 min read
What Dashain actually costs a Kathmandu family of four in 2083: the Rs 40,000 version and the Rs 1.2 lakh version
Two Dashain budgets for a Kathmandu family of four, priced from Kalimati, NOC and DoTM rates. Even the lean one beats the lowest civil servant's festival pay.
- 14 min read
Paid the manpower agency and never flew: the refund Section 20 guarantees, and how to file at DoFE
If the agency did not send you within three months of your labour permit, Section 20(2) owes you every rupee back plus 25 percent a year, inside 30 days.
- 3 min read
Kharchapatra is now on Google Play — the Android app for Nepali personal finance
Kharchapatra's Android app is on Google Play: statement imports, budgets, goals, encrypted offline storage and biometric lock, synced with the web dashboard.
- 11 min read
Rs 21 kharba in remittance came home this year. Here is the receiving family's playbook
Nepal received Rs 2,120 billion in remittance in 11 months while savings rates fell to 2.75%. What the family at home should do with the money, step by step.
- 16 min read
Rs 25,000 at a time: how Nepal's problematic cooperative refund actually works
Nepal began refunding problematic cooperative depositors in May 2026: the priority ladder, Rs 25,000 instalments, the 35-day claim window, and who gets nothing.
- 8 min read
How much does Teej actually cost? What's provable, and what nobody has ever measured
Saree prices, bangle sales and vegetable spikes around Teej in Nepal are documented. A total household budget figure isn't. What the data actually shows.
- 10 min read
What going to Japan actually costs from Nepal: language school vs SSW, lakh by lakh
The language-school route costs Rs 12–13.5 lakh in year one from Nepal. The SSW worker route should cost a fraction of that. The lakh-by-lakh math, sourced.
- 9 min read
The real cost of chasing a Loksewa job: coaching fees, attempts, and the opportunity-cost math
Coaching runs Rs 3,000–13,500 and forms Rs 300–1,200, but two years of full-time prep costs Rs 7–10 lakh once rent and foregone salary count. The honest math.
- 11 min read
NEA electricity tariff slabs decoded: why crossing 20 units changes your whole bill
Nepal's NEA domestic tariff, decoded: the free 20 units for 5A homes, the Rs 3 retro-charge past it, the service-charge staircase, and the new 5% VAT above 50 units.
- 9 min read
Minimum wage in Nepal 2083/84: the Rs 19,550 floor still in force, by month, day and hour
Nepal's minimum wage is still Rs 19,550 a month in FY 2083/84: basic Rs 12,170 plus Rs 7,380 dearness allowance. The daily and hourly floors, and who's covered.
- 8 min read
Overtime, allowances and the Labour Act: what legally counts toward your pay in Nepal
Overtime in Nepal is 1.5x basic, capped at 4 hours a day and 24 a week. What the Labour Act 2074 counts as remuneration, and which allowances dilute your SSF.
- 9 min read
Your annual profit bonus in Nepal: the 10% rule, the 6-vs-8-month cap, and who actually gets it
The Bonus Act 2030 gives staff 10% of a profitable firm's net profit, capped at 6-8 months' salary. Who qualifies, when it pays, and why a loss year means zero.