Skip to content
Kharchapatra
Blog · खर्चपत्र

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

    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
  • 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
  • 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
  • 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
  • 12 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 for the self-employed. Worked रू numbers at today's 2.75% rates.

    GuideNepalSavingEmergency FundKathmandu
  • 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
  • 10 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 Rs 25,000, 50,000, 80,000 and 1.5 lakh a month in Nepal, with Kartik 2083 rates, 6% inflation and where to put each rupee.

    GuideNepalSavingBudgetingSalary
  • 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
  • 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