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.
- 16 min read
Health emergency cost map Nepal: Bir vs Patan vs private hospitals, and what insurance actually covers
What an ICU bed, surgery, and cardiac care actually cost across Bir, Patan, and private hospitals in Nepal — and where insurance leaves a gap you pay.
- 12 min read
Bonus share vs cash dividend in Nepal: which one actually builds wealth (and the 5% tax both pay)
Bonus shares and cash dividends are both taxed 5% in Nepal — legally the same thing. The real difference is when you pay capital gains, with worked examples.
- 11 min read
Nepal income tax slabs 2082/83: the table you need to file this year's return
The FY 2082/83 slabs for the return you file now: single and couple tables, the SSF waiver, deductions, worked salary examples and the Poush deadline.
- 14 min read
Term life insurance in Nepal: the cheapest plans for a 30-year-old (and why most ‘term’ plans aren't actually cheap)
What pure-term life insurance costs in Nepal at age 30, the eight insurers who sell it, why return-of-premium plans cost 1.5–3× more, and how to choose.
- 13 min read
Realistic Nepali wedding budget: what Rs 5 lakh, Rs 15 lakh, and Rs 50 lakh actually buy in Kathmandu
What a Rs 5L, 15L, and 50L wedding actually looks like in Nepal — venue, catering, gold, attire, photography, decor — with real per-plate and per-tola numbers.
- 14 min read
Personal loan vs gold loan vs overdraft: which Nepali debt is cheapest in 2026
Personal loan vs gold loan vs overdraft in Nepal 2026: rates, LTV, fees, and tenure compared across commercial banks to find the cheapest debt.
- 12 min read
Two-wheeler EMI math: why that रू 3 lakh Pulsar actually costs रू 4.2 lakh
Bike loan in Nepal 2026: how a Rs 3 lakh Pulsar becomes Rs 4.2 lakh once registration, insurance, EMI interest, and 3 years of road tax are added.
- 13 min read
Health and life insurance basics in Nepal: term, endowment, and what your agent won't volunteer
Term vs endowment, NHIP, private health cover, and the Rs 40,000 tax deduction — what to buy first in Nepal and what to skip.
- 13 min read
Home loan EMI math in NPR: what you actually pay for a Rs 1 crore house in Nepal
Home loan EMI formula in Nepal, NRB's 80% LTV cap for first-time buyers, floating-rate resets, and prepayment math — with a calculator.
- 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.
- 13 min read
Are co-operative FDs really safer at 13%? A risk-adjusted look for Nepali savers
Nepali co-operatives advertise 12–14% on FDs, far above banks. What the regulator gap, the Rs 87.89bn embezzlement crisis, and no deposit insurance mean.
- 16 min read
Reading a Nepali mutual fund factsheet without getting fooled by NAV
A line-by-line guide to the monthly factsheet Nepali mutual funds publish — NAV vs market price, AUM, expense ratio, holdings, and the metrics that matter.
- 10 min read
The beginner's roadmap to financial independence in Nepal
How financial independence actually works on a Nepali salary — the FI number, the 4% rule, and a step-by-step path through SSF, CIT, FDs, and mutual fund SIPs.
- 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.
- 13 min read
Remote work income: managing USD earnings in an NPR reality
You earn in dollars, you live in rupees. The legal channels for receiving foreign income in Nepal, the 5% withholding scheme, and a setup that won't leak money.
- 10 min read
Bike vs car vs ride-share in Kathmandu: the real monthly cost
A Wagon R looks like Rs 33 lakh, a Pulsar like Rs 3 lakh. Run the full math — fuel, tax, insurance, depreciation — and the Kathmandu answer changes.
- 10 min read
EV vs petrol in Nepal: the break-even km is shorter than you think
Nepal's taxes make a Tata Tiago EV cheaper than a Suzuki Wagon R on day one, and save ~Rs 96,000/year in fuel. The full math, with the hidden costs.
- 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.
- 10 min read
FD vs Mutual Fund vs CIT: where रू 1,00,000 actually grows fastest in Nepal
A 1, 5, and 10-year projection on Rs 1 lakh across a Nepali FD, an equity mutual fund, and the Citizen Investment Trust — tax, lock-in and risk priced in.
- 9 min read
Renting vs buying in Kathmandu: the spreadsheet most people skip
Most rent-or-buy advice skips registration fees, opportunity cost, and the early-EMI interest tax. Here is the spreadsheet — with 2026 Kathmandu numbers.