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.
- 9 min read
The 4% rule, adapted for Nepal: how much you can safely withdraw from your corpus
The 4% rule was built on US data. Nepal's higher inflation, lower real returns, and tax drag push the safe withdrawal rate closer to 3.5% — the math behind it.
- 8 min read
The full TDS rate card for Nepal: every rate that skims your money (FY 2083/84)
Every TDS rate in Nepal for FY 2083/84 in one table: interest, dividend, rent, commission, contract, capital gains, and what counts as final vs adjustable tax.
- 8 min read
What happens to your account and FD when two Nepali banks merge?
When two Nepali banks merge, your account number and FD interest rate stay the same. The one thing that can quietly halve: your Rs 5 lakh deposit guarantee.
- 9 min read
Dakhil kharej (namsari): how to get land into your name at the Malpot
Registration transfers the deed; dakhil kharej puts the land in your name in the official records. The near-zero fee, the documents, and why skipping it bites.
- 8 min read
EPS Korea: what it really costs to go from Nepal, and how to fund it
Going to Korea via EPS costs about Rs 1.5 lakh all-in, including the air ticket. The exam fee, medical, welfare fund, and why a lakhs-charging broker is a scam.
- 9 min read
'Forex trading' and binary-option apps in Nepal: why they're illegal and how the scam works
Online forex and binary-option trading isn't legal for Nepal residents, and most of it is a withdrawal scam. The law, the penalty, and how the trap runs.
- 8 min read
NRN bank accounts in Nepal: what you can open and what you can take back out
An NRN can hold a Nepali-rupee account and a convertible foreign-currency account. What each allows, the USD 5,000 minimum, and which money you can repatriate.
- 9 min read
Financial proof for a student visa from Nepal: blocked accounts, GIC, and bank balance certificates
What a Nepali student must show for a study visa: Germany's blocked account, Canada's CAD 22,895, Australia's AUD 29,710, plus NRB rules and the 3% fee.
- 10 min read
House rent tax in Nepal: the 10% on rental income, and who you pay it to
An individual landlord in Nepal pays a flat municipal house rent tax (10% in Kathmandu), not income tax. Which tax applies depends on who your tenant is.
- 9 min read
Instant loan app scams in Nepal: how they trap you and how to get out
Unlicensed instant-loan apps are illegal in Nepal under BAFIA. How the contact-harvesting and shame-harassment works, the legal alternatives, and how to report.
- 9 min read
Barista FIRE in Nepal: semi-retiring on a part-time income
Barista FIRE means a part-time income covers part of your costs so your portfolio shrinks. Every Rs 10,000/month of work cuts your FIRE number by Rs 34 lakh.
- 9 min read
What it actually costs to live in Kathmandu per month (2083)
A real monthly cost-of-living breakdown for Kathmandu in 2083: rent, food, utilities, transport, school fees. One person ~Rs 35k, a family of four ~Rs 90k+.
- 11 min read
How much life insurance cover do you actually need in Nepal?
Size life cover in Nepal with the 10x, Human Life Value, and DIME methods, then subtract your SSF survivor pension and savings to land on a real number.
- 9 min read
The cheapest way for your family to receive your remittance in Nepal
The family collecting remittance in Nepal pays no fee — the cost hides in the exchange-rate margin. How to pick the channel and account that keeps the most.
- 11 min read
Earn in dollars, retire in Nepal: the geographic-arbitrage math
A USD 280,000 corpus is lean in America but comfortable in Kathmandu. The geographic-arbitrage FIRE math for Nepalis earning abroad — plus the tax traps.
- 10 min read
What does it cost to pass a building plan (naksha) in Kathmandu?
Kathmandu's building-permit fee is about Rs 25/sq ft, but the design fee is the real cost. The full naksha-pass breakdown — fees, documents, and timeline.
- 10 min read
Turnover tax vs regular tax: how small businesses are taxed in Nepal (D-01)
How a small business or sole proprietor is taxed in Nepal: the flat D-01 presumptive tax, D-02 turnover rates, and when you must keep books and pay regular tax.