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.
- 12 min read
Building a house in Kathmandu: a per-aana budget for 2026
What it costs to build a house in Kathmandu in 2026 — Rs 15–35 lakh per aana finished, with per-sq-ft tiers, material prices, permits, and overruns.
- 14 min read
Property registration costs in Nepal: malpot, kitta-kat, and the hidden Rs lakh on a Rs 1 crore plot
What buyer and seller actually pay at Malpot to register property in Kathmandu Valley: the 5.3% registration fee, 7.5/10% CGT, and a Rs 1 crore worked example.
- 13 min read
Capital gains tax on property in Nepal 2083/84: the 7.5% and 10% math nobody explains
What sellers pay on land or a house in Nepal in FY 2083/84: 7.5% after five years, 10% before, the real exemptions, base cost rules and three worked examples.
- 12 min read
Dashain bonus and tax: why your Kartik salary slip looks weird
Section 37 gives you one month's basic as festival expense. Why your Kartik slip looks odd: the whole bonus is taxable and TDS gets re-projected for the year.
- 12 min read
Women's property rights in Nepal: ansha, parental property, and the marital share
What the Constitution 2072 and Civil Code 2074 give Nepali women: equal coparcener status, parental ansha, widow's share, and the 25% registration discount.
- 16 min read
Aging parents' medical fund: how much to set aside in your 30s in Nepal
How much to set aside for aging parents' medical care in Nepal: the HALE gap, single-event costs, the Rs 1 to 3 lakh state ceiling and a target by your 30s.
- 12 min read
Money talks with parents in Nepal: 5 conversations to have before they retire
Five money talks to have with Nepali parents before retirement: pension, where the money is, property, health, debt — with the law and numbers behind each.
- 12 min read
Vehicle tax and road tax in Nepal: the annual bill nobody plans for
What 'road tax' actually means in Nepal, the FY 2082/83 Bagmati rate card, renewal fees, late penalties, and what your scooter or car actually owes each year.
- 11 min read
Insurance agent misselling in Nepal: 5 questions to ask before you sign
Why Nepali agents push endowment over term, and the 5 questions on commission, surrender value, and real return that surface misselling before you sign.
- 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.
- 14 min read
Coast FIRE for Nepal: the age and savings number that lets you stop adding to investments
The Rupee number that, left to compound, grows into a Nepali retirement corpus by age 60 — three expense scenarios, three age cohorts, 5% real return.
- 14 min read
When parents ask for your salary: navigating money in a Nepali joint family
How much salary should you actually give your parents in a Nepali joint family? The law, the data, and three honest scenarios — Kathmandu numbers, not advice.
- 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
Land plotting scams in the Kathmandu Valley: 6 red flags before you book a plot
Civil Homes, fake lalpurja, flood-zone colonies — six concrete red flags from real Kathmandu plotting scams, with KVDA and DUDBC rules to verify against.
- 15 min read
Buying land in Nepal: lalpurja, kitta, and the 9 documents you must verify
What to check before paying the bayana — lalpurja, char killa, kitta, tirja, malpot receipts, rokka, naksha pass — with real Kathmandu Valley costs.
- 11 min read
MLM in Nepal: how to spot a pyramid scheme disguised as a 'business opportunity'
Pyramid schemes cost Nepal Rs 3.79 billion in the Unity Life case alone. How to recognise one before you pay the joining fee — the law, the math, the red flags.
- 13 min read
NEPSE sectors decoded: banking vs hydro vs microfinance vs insurance — risk/return reality
Each NEPSE sector behaves differently — earnings, P/E, dividends, dilution, NPL. Here is the honest sector-by-sector map with 2025/26 numbers.
- 13 min read
Buy Now Pay Later (BNPL) in Nepal: why the 'Zero EMI' loan still costs you 17–19%
A 'Zero EMI' phone on Daraz or NIC Asia Instabuy carries a 5–10% fee — an effective 17–19% APR. The Nepal-specific math, the providers, and the trap.
- 13 min read
Right shares vs bonus shares vs cash dividend: which actually builds wealth in NEPSE?
Bonus and cash dividends hand you something; a right share asks for a fresh cheque at Rs 100. How the three NEPSE corporate actions differ, and when each pays.
- 17 min read
Cost of raising a child in Nepal: birth to Class 12, line by line
An honest, citation-backed breakdown of raising one child in Nepal — delivery, vaccines, Montessori, school fees, +2, healthcare, ceremonies — in three tiers.
- 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.
- 16 min read
Mero Share and DEMAT in Nepal: the mistakes that cost first-time investors real money
DEMAT renewal, wrong CRN, missed EDIS, wrong unit counts — the Mero Share and CDSC mistakes that quietly cost Nepali retail investors money. A 2026 guide.
- 16 min read
Sending money home to Nepal: hundi vs bank vs remit app for NRNs
NRNs send Nepal over Rs 200bn a month. The legal channels, the fee and FX math, what hundi costs when prosecuted, and the NRN benefits most never claim.
- 17 min read
Crypto and online forex in Nepal: the legal reality, the penalties, and how the scams actually work
What Nepal's Foreign Exchange Act and NRB's 2017–2022 notices actually say on Bitcoin, USDT and Binance — the fines, the jail terms, and how the scams work.