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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.

  • 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.

    GuideNepalKathmanduTransportPersonal Finance
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  • 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.

    GuideNepalKathmanduEVTransportPersonal Finance
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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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  • 10 min read

    NEPSE vs SIP vs FD for a 25-year-old in Kathmandu

    If you're 25 and salaried in Kathmandu with spare money, how to weigh NEPSE direct, mutual fund SIPs, and FDs without falling for the headline returns.

    GuideNepalInvestingNEPSESIPFDYoung Investor
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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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  • 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.

    GuideNepalInvestingFDMutual FundCITTax
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  • 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.

    GuideNepalKathmanduReal EstatePersonal Finance
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  • 10 min read

    Sending your child abroad to study: the 12-month FX and savings runway

    The 12-month plan for funding a child's study abroad from Nepal — NOC, NRB foreign exchange limits, visa show money, and a month-by-month savings runway.

    GuideNepalStudy AbroadForeign ExchangeSaving
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  • 11 min read

    EPF to SSF: what changes the day your employer switches you over

    Your basic stays, your bank deposit may dip, and your retirement math gets rewritten. A line-by-line look at what moves when your employer shifts PF to SSF.

    GuideNepalSalaryRetirementPFSSFTax
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  • 13 min read

    Side income and freelance tax in Nepal: what to declare and what to set aside

    Foreign-currency freelance income gets a flat 5% final tax via the bank; domestic side income joins your salary slabs. What to set aside and file, and when.

    GuideNepalTaxFreelanceSide IncomeTDS
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  • 8 min read

    The Bikram Sambat budgeting year: why your real fiscal year starts in Shrawan, not January

    Nepal's fiscal and tax year runs Shrawan to Asar — not January to December. Why your salary, taxes, and budget cycle should follow it.

    GuideNepalBudgetingBikram SambatFiscal YearTax
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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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  • 10 min read

    CIT vs PF vs SSF: where to put your next रू 1,000 of retirement money in Nepal

    PF and SSF your employer picks; CIT is the lever you control. How to decide whether your next Rs 1,000 of retirement money goes to CIT, PF/SSF, or elsewhere.

    GuideNepalRetirementTaxCITPFSSF
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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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  • 9 min read

    How to read your Nepali salary slip: PF, SSF, CIT, TDS, and what every line actually means

    A line-by-line guide to the Nepali payslip — what gets added, what gets deducted, and why your gross salary and your take-home are so far apart.

    GuideNepalSalaryTaxPayroll
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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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