Saving & Budgeting
Emergency fund, savings rate, sinking funds, the monthly money review, and the silent leaks that drain a Kathmandu paycheck.
- 8 min read
How your savings account interest is actually calculated in Nepal
Banks compute it on your daily balance, not the month's low, then credit quarterly. The formula, why Rs 1 lakh at 5% pays ~Rs 415/month, and the 6% TDS.
GuideNepalBankingSavingsRead post - 9 min read
Budgeting on an irregular income: a system for freelancers and shopkeepers in Nepal
A budgeting system for Nepali freelancers and shopkeepers with swinging income: 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. Why FPOs carry 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 by verification tier.
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
Coming back to Nepal from abroad: a money checklist for returnees
Moving back to Nepal after years abroad? The rules on bringing cash and gold home, tax residency, claiming a foreign pension, and where to park your savings.
GuideNepalRemittanceReturneesTaxPersonal FinanceRead post - 8 min read
Recurring deposit vs FD in Nepal: the math for monthly savers
A 5% recurring deposit doesn't pay like a 5% FD — the effective return is about half, since your money isn't in for the full term. 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 the cost.
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, 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, and 12-month deposits keeps cash maturing regularly so you skip the premature-withdrawal penalty. The math inside.
GuideNepalBankingFDInvestingRead post - 11 min read
Salary negotiation in Nepal: how to ask for an increment without burning the relationship
Nepal's legal raise floor is about 1.7%/year, below inflation. The data to anchor on, the timing to use, and a script that asks for more without friction.
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 - 11 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)
Why your first Rs 10 lakh takes years and the next takes far less — at Nepal's FD, CIT and NEPSE rates — and the order of operations to get there.
GuideNepalSavingInvestingCompoundingPersonal FinanceRead post - 50 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 for lack of a check-in, not a plan. A monthly review — five questions, fifteen minutes — that surfaces leaks before they compound.
GuideHabitBudgetingReviewNepalRead post - 12 min read
7 hidden subscriptions eating your monthly budget — Nepal edition
Streaming trials, AI tools, shared plans you stopped using. The seven categories where the leak is biggest in Nepal — plus a 30-minute audit that fixes it.
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 buy over Rs 5,000. The urge fades, the math changes, and the wallet stays full — how to set the rule 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's annual and dated. A sinking fund spreads the cost over 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