Blog · Tag

Personal Finance

  • 9 min read

    What to do with money when someone dies in Nepal: bank, FD, PF, insurance, and shares

    When someone dies in Nepal, their bank, FD, PF, CIT, SSF, insurance, and shares must each be claimed separately. The documents, the process, and the traps.

    Read post
  • 7 min read

    What to do with your first salary in Nepal

    Got your first salary in Nepal? The PAN and SSF setup, how much tax you actually pay, the emergency fund, and the first-paycheck mistakes worth skipping.

    Read post
  • 10 min read

    The government Health Insurance Program in Nepal: the Rs 3,500 family plan, explained

    Nepal's government Health Insurance Program covers a family of five for Rs 3,500/year up to Rs 1 lakh. How to enroll, what it pays, and the 2026 funding crisis.

    Read post
  • 8 min read

    Coming back to Nepal from abroad: a money checklist for returnees

    Moving back to Nepal after years abroad? The rules on bringing cash and gold home, tax residency, claiming a foreign pension, and where to park your savings.

    Read post
  • 16 min read

    How couples in Nepal should manage money: joint account, separate, or both?

    Joint, separate, or hybrid for Nepali couples — the three models, plus the couple-vs-individual tax election, joint nominee, and the Rs 100 land conversion.

    Read post
  • 16 min read

    Why is the Nepali rupee pegged to the Indian rupee? What the 1.6 rate means for your money

    The Nepali rupee has been fixed at 1.60 per Indian rupee since 1993. Why the peg exists, why your dollar buys ~152 rupees and not a fixed number, and the cost.

    GuideNepalExchange RateNRBPersonal FinanceUSD
    Read post
  • 8 min read

    What the 2083/84 budget changes at Rs 30k, 50k, 1 lakh and 2 lakh a month

    What Nepal's 2083/84 budget saves you in tax at Rs 30k, 50k, 1 lakh and 2 lakh a month: from Rs 0 for the lowest earner to about Rs 2.5 lakh a year at the top.

    Read post
  • 8 min read

    How much foreign currency can you carry out of Nepal? Passport endorsement and the limits

    The USD 3,000 passport facility, the USD 5,000 cash declaration line, the education and medical quotas, and the USD 500 card cap, for FY 2082/83.

    Read post
  • 9 min read

    Hundi vs the bank: the real cost of sending money home the illegal way

    Hundi looks cheaper than a bank transfer to Nepal until you price the tail risk. The fee gap, the FX edge, the 3x fine, and what formal channels now cost.

    Read post
  • 8 min read

    What got cheaper and what got costlier in Nepal's 2083/84 budget

    Nepal's 2083/84 budget cut customs on 273 raw materials and excise on 360 items, while cigarettes, alcohol and heavy electricity got costlier. What's confirmed.

    GuideNepalTaxBudgetConsumerPersonal Finance
    Read post
  • 8 min read

    New income tax slabs in Nepal's 2083/84 budget: how much more (or less) you pay

    Nepal's 2083/84 budget doubled the 1% tax floor to Rs 10 lakh and cut the top rate to 29%. What's confirmed, what's still in the Finance Bill, and the saving.

    Read post
  • 8 min read

    Nepal Budget 2083/84 and your money: what changed for salary, tax, and savings

    Nepal's FY 2083/84 budget doubled the tax exemption to Rs 10 lakh, cut the top rate to 29%, raised public pay ~21%, and added 10% VAT cashback on digital pay.

    Read post
  • 14 min read

    Inheritance and wills in Nepal: what happens to your money if you don't write one

    The Muluki Civil Code 2074 governs intestate succession in Nepal: daughters inherit equally, there is no estate tax, and the real bottleneck is execution.

    Read post
  • 11 min read

    Salary negotiation in Nepal: how to ask for an increment without burning the relationship

    Nepal's legal raise floor is about 1.7%/year, below inflation. The data to anchor on, the timing to use, and a script that asks for more without friction.

    Read post
  • 12 min read

    TDS in Nepal explained: why your salary takes a haircut before you ever see it

    What TDS really is, why payroll computes it as annual tax divided by 12, the rates on rent and dividends, and how Annexure 10 verifies every paisa deposited.

    Read post
  • 12 min read

    Health insurance claim process in Nepal: what hospitals actually pay vs reject

    How health insurance claims actually work in Nepal — the HIB government scheme, private insurance flow, rejection patterns, and the 30-day Act 2079 rule.

    Read post
  • 12 min read

    Capital gains tax on property in Nepal: the 7.5% and 10% math nobody explains

    What sellers actually pay transferring land or a house in Nepal — 7.5% long-term, 10% short-term, base cost rules, malpot advance tax, and three worked examples.

    Read post
  • 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.

    Read post
  • 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.

    Read post
  • 13 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, NHIP and Bipanna caps, and a defensible target by your 30s.

    Read post
  • 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.

    Read post
  • 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.

    Read post
  • 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.

    GuideNepalJoint FamilyPersonal FinanceSalaryKathmandu
    Read post
  • 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.

    GuideNepalKharchapatraProductWalkthroughPersonal Finance
    Read post