Personal Finance
- 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.
- 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.
- 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.
- 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.
- 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.
- 14 min read
Buying land in Nepal: lalpurja, kitta, and the 9 documents you must verify
What to check before paying the bayana — lalpurja, char killa, kitta, tirja, malpot receipts, rokka, naksha pass — with real Kathmandu Valley costs.
- 11 min read
MLM in Nepal: how to spot a pyramid scheme disguised as a 'business opportunity'
Pyramid schemes cost Nepal Rs 3.79 billion in the Unity Life case alone. How to recognise one before you pay the joining fee — the law, the math, the red flags.
- 12 min read
NEPSE sectors decoded: banking vs hydro vs microfinance vs insurance — risk/return reality
Each NEPSE sector behaves differently — earnings, P/E, dividends, dilution, NPL. Here is the honest sector-by-sector map with 2025/26 numbers.
- 13 min read
Buy Now Pay Later (BNPL) in Nepal: why the 'Zero EMI' loan still costs you 17–19%
A 'Zero EMI' phone on Daraz or NIC Asia Instabuy carries a 5–10% fee — an effective 17–19% APR. The Nepal-specific math, the providers, and the trap.
- 13 min read
Right shares vs bonus shares vs cash dividend: which actually builds wealth in NEPSE?
Bonus and cash dividends hand you something; a right share asks for a fresh cheque at Rs 100. How the three NEPSE corporate actions differ, and when each pays.
- 17 min read
Cost of raising a child in Nepal: birth to Class 12, line by line
An honest, citation-backed breakdown of raising one child in Nepal — delivery, vaccines, Montessori, school fees, +2, healthcare, ceremonies — in three tiers.
- 13 min read
The first Rs 10 lakh: why it's harder than the next 10 (and what that means on a Nepali salary)
Why your first Rs 10 lakh takes years and the next takes far less — at Nepal's FD, CIT and NEPSE rates — and the order of operations to get there.
- 16 min read
Mero Share and DEMAT in Nepal: the mistakes that cost first-time investors real money
DEMAT renewal, wrong CRN, missed EDIS, wrong unit counts — the Mero Share and CDSC mistakes that quietly cost Nepali retail investors money. A 2026 guide.
- 16 min read
Sending money home to Nepal: hundi vs bank vs remit app for NRNs
NRNs send Nepal over Rs 200bn a month. The legal channels, the fee and FX math, what hundi costs when prosecuted, and the NRN benefits most never claim.
- 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.
- 13 min read
Nepal income tax brackets 2082/83: a salaried person's cheat sheet
The exact income tax slabs for FY 2082/83, with take-home math for Rs 30k–2L monthly salaries, the SSF waiver, the 10% female rebate, and key deductions.
- 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.
- 58 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.
- 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
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.
- 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.