Saving & Budgeting
Emergency fund, savings rate, sinking funds, the monthly money review, and the silent leaks that drain a Kathmandu paycheck.
- 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.
- 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.
- 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.
- 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.
- 59 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.
- 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.
- 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.
- 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.
- 12 min read
- 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.