Money, in Nepali.
Tips and stories for navigating personal finance in Nepal — statement imports, fiscal-year budgeting in BS, tax slabs, and the little spreadsheet hacks we wish we'd known sooner.
- 8 min read
What got cheaper and what got costlier in Nepal's 2083/84 budget
Nepal's 2083/84 budget cut customs on 273 raw materials and excise on 360 items, while cigarettes, alcohol and heavy electricity got costlier. What's confirmed.
- 12 min read
Income tax slabs in Nepal for 2083/84: the full table, what changed, and what you pay
Nepal's FY 2083/84 income tax slabs: 1% to Rs 10 lakh, then 10%, 20%, 27% and 29% above Rs 40 lakh, one table for single and couple, plus salary examples.
- 8 min read
Nepal Budget 2083/84 and your money: what changed for salary, tax, and savings
Nepal's FY 2083/84 budget doubled the tax exemption to Rs 10 lakh, cut the top rate to 29%, raised public pay ~21%, and added 10% VAT cashback on digital pay.
- 14 min read
Switching jobs in Nepal: what happens to your PF, CIT, and SSF balance
What actually happens to your PF, CIT, and SSF balance when you change jobs in Nepal — and the three mistakes most people make in the handover month.
- 12 min read
Creator income tax in Nepal: how YouTube, TikTok, and brand-deal payouts get taxed
FY 2082/83 added a flat 5% final tax on foreign-currency creator income up to Rs 40 lakh, deducted by the bank. The math for a Nepali YouTuber or streamer.
- 14 min read
Inheritance and wills in Nepal: what happens to your money if you don't write one
The Muluki Civil Code 2074 governs intestate succession in Nepal: daughters inherit equally, there is no estate tax, and the real bottleneck is execution.
- 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.
- 12 min read
TDS in Nepal explained: why your salary takes a haircut before you ever see it
What TDS really is, why payroll computes it as annual tax divided by 12, the rates on rent and dividends, and how Annexure 10 verifies every paisa deposited.
- 11 min read
QR payment fraud in Nepal: the three Fonepay scams Kathmandu shopkeepers see daily
Fake-screenshot, sticker-overlay, and OTP-refund: the three Fonepay QR scams running across Kathmandu, the 217 logged cases, and how to stop each one.
- 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.
- 13 min read
Credit Card in Nepal: When It Makes Sense and When It's a Trap
Only 3.18 lakh cards against 1.35 crore debit cards. The 27% APR, USD 2,000 ecom cap, OTP scams, and the four cases where a credit card is the right tool.
- 13 min read
Education Loan in Nepal: Banks, Rates, and the Co-Sign Reality
Rs 138 billion left Nepal for foreign study in FY 2024/25. Bank rates of 5.64–16.3%, the USD 25,000 NRB cap, the 3% service fee, and what co-signers risk.
- 14 min read
Floating vs Fixed Rate Home Loan in Nepal: The Choice When NRB Base Rate Halved
Base rate dropped from 7.35% to 5.6% in a year. Floating now sits at 5.73% to 8.77%; fixed at 6.99% to 9.99%. The break-even math and which to pick.
- 14 min read
Gold as Investment in Nepal: Tola Math, Storage, and the 5-Year Return
Nepali gold prices, the 16% per-year CAGR over 10 years, the 20% customs duty, the skill promotion fee, making-charge math, and what your tola actually buys back.
- 11 min read
Gratuity in Nepal: How It's Calculated, When You Get It, and the SSF Overlap
The 8.33% formula under Labour Act 2074, how SSF subsumed it after 2018, the pre/post-Ashadh 2078 split, and the actual tax you pay on payout.
- 12 min read
How Much Retirement Corpus Do You Need in Nepal? The Rs 2 Crore Math
Real Kathmandu expense data, a 3.5% safe withdrawal rate, and three corpus targets — Rs 1.7, 2.6, and 3.4 crore — for different retirement lifestyles.
- 12 min read
Health insurance claim process in Nepal: what hospitals actually pay vs reject
How health insurance claims actually work in Nepal — the HIB government scheme, private insurance flow, rejection patterns, and the 30-day Act 2079 rule.