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Saving & Budgeting

Emergency fund, savings rate, sinking funds, the monthly money review, and the silent leaks that drain a Kathmandu paycheck.

  • 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 Finance
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  • 55 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 FinanceHubPillar
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  • 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.

    GuideHabitBudgetingReviewNepal
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  • 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.

    GuideNepalSavingSubscriptions
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  • 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 FinanceSpending
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  • 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.

    GuideNepalSavingFestivalsDashain
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  • 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 FundKathmandu
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  • 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.

    GuideNepalSavingBudgetingSalary
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  • 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 Finance
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