Aafno Hisab (आफ्नो हिसाब) is a free personal finance app for Nepal. Track income, expenses, budgets, loans and udharo in Nepali rupees, with the Bikram Sambat calendar, eSewa and Khalti accounts, and a double-entry core so your numbers always add up.
In short
Key takeaway: Aafno Hisab is a free personal finance app for Nepal, an expense tracker and budgeting app in one. It is best for people in Nepal, and Nepalis abroad, who want to know where their salary goes, keep track of EMIs, and remember the udharo they have lent out. Use it daily: record an expense in about ten seconds, on the phone or on a laptop, online or offline. Almost all of it is free forever, including your full history, accounts, budgets, loans and EMI schedules, recurring entries and reports; premium is khata, udharo, AI and export, from Rs. 500 a month with no auto-billing and no card stored.
Rs. 0
free forever plan, no card
Play Store
free download, no ads
2 languages
नेपाली and English, BS calendar
Offline
records without a connection
This app is for anyone in Nepal who wants to know where their money went. It is best for household and personal money, not company accounting, and it suits you whether you earn a salary, run a small shop, or send money home from abroad. Use it when your salary disappears before month end, when an EMI is due, or when you have lent money and cannot remember to ask for it back.
Best for tracking a monthly salary
The salary lands, and by Gate 20 nobody knows where it went. Budgets and category charts show exactly which line ate it.
Best for udharo you keep forgetting
Money lent to a friend, a cousin, a neighbour. Record it once and get reminded before the date you agreed on.
Best for bank and sahakari loans
Bank loans with a bank-style schedule, and interest-only loans from relatives or a sahakari, which most apps cannot model at all.
Income and expenses, monthly budgets, bank and interest-only loans, udharo you have lent, investments, savings goals and recurring payments, all in one place, in Nepali rupees.
From daily chiya expenses to multi-year loans, Aafno Hisab keeps the full picture accurate, automatically.
Log every rupee across Cash, banks, eSewa and Khalti, with categories, remarks, receipts and location.
Set monthly limits per category and watch live progress bars warn you before you overspend.
Auto-calculated EMI, amortization schedules, and payments that split interest from principal for you.
FD, shares, crypto, gold and mutual funds, ROI, profit/loss and portfolio value at a glance.
Private, on-your-side AI, live in Aafno Hisab today. Personalised insights from your real numbers, and answers to your questions in plain Nepali or English. The more you track, the sharper it gets.
See where your money really goes, month over month.
Question your finances in plain Nepali or English.
Early warnings before you overspend a category.
Set a limit for Food, Fuel or Shopping and Aafno Hisab tracks every rupee against it in real time. Cross the line and the bar turns red, no month-end surprises.
Home Loan, NIC Asia
Rs. 10,00,000 · 12% · 60 months
Outstanding
Rs. 7,41,000
Interest paid
Rs. 1,08,900
Next due
1 Aug 2026
Principal paid: Rs. 2,59,000 / Rs. 10,00,000 · 26%
Record a payment and Aafno Hisab books the interest as an expense and the principal against the loan, automatically, with a full amortization schedule you can check anytime.
In three steps: create a free account, set the current balance of your cash, bank, eSewa and Khalti, then record money as it moves. Budgets, charts and loan schedules update themselves from there.
Email or Google, your Nepali chart of accounts (Cash, Bank, eSewa, Khalti) is ready instantly.
Add income and expenses as they happen. Budgets and charts update in real time.
Spot the leaks, plan the EMIs, grow the investments, all from one dashboard.
Row-level security, only your login can read your data.
Points ran out? Data waits in view-only mode. Nothing is deleted.
Switch the whole app to Nepali with one tap.
Add to Home Screen and use it like a native mobile app.
Income, expenses, budgets, loans, reports and the money tools are free forever. Premium is khata, udharo, AI and export, at Rs. 500 a month, Rs. 1,500 for six months or Rs. 2,500 for a year, paid once via eSewa, Khalti or bank transfer. 1 credit = 1 day of premium, and nothing renews behind your back.
Monthly
Rs. 500
≈ Rs. 17 per day · Rs. 500 per month
30 credits · 30 days of access
Get started6 Months
Rs. 1,500
≈ Rs. 8 per day
Udharo is the money you lend to friends, relatives and neighbours, the money everyone forgets. You record who, how much, and when you should get it back, and the app reminds you 3, 2 and 1 days before that date, in the app and by email. No more remembering six months late.
Every row in the database is protected by row-level security, which means the database itself refuses to return your data to anyone else's login, not just the app. Everything travels over HTTPS, and passwords are never stored in a form anyone can read.
1 credit = 1 day of premium. A month is 30 credits, six months is 180, a year is 365. You buy credits once and they count down a day at a time, there is no subscription running in the background.
Aafno Hisab (आफ्नो हिसाब) is a personal finance app made for Nepal. You record what you earn and spend, set budgets, track loans and their EMI, and keep a list of the money you have lent to people. It runs in the browser and as an Android app, in Nepali or English.
Yes, a free 1.2 MB download with no ads, live since August 2026. It is the same Aafno Hisab, one tap away, and it keeps working when the internet does not. Anything you record offline syncs the moment you are back.
Yes, with the same account and no transferring. Log an expense on your phone at the shop, then sit down at a laptop to plan the month. These are real screenshots from the live app.
Join Aafno Hisab free. Income, expenses, budgets, loans, reports and the money tools cost nothing, and your first transaction takes ten seconds.
Current balance
Rs. 8,52,000
Monthly income
Rs. 95,000
Monthly expense
Rs. 46,200
Savings rate
51%
Cash flow
Income vs expense, last 6 months
Recent transactions
Best for money sent home
Send money home and watch how it is used, in the same account, from any country.
Any period, category breakdowns, monthly trends, exported to Excel or PDF in one click.
Every transaction posts balanced debits and credits under the hood. Your balances can never drift.
Personalised analysis of your own numbers, and answers to money questions in plain Nepali or English.
Money lent to friends stops being forgotten, reminders 3, 2 and 1 days before it's time to ask it back.
No internet? Your dashboard still opens and new expenses still save, everything syncs when you're back online.
180 credits · 180 days of access
1 Year
Rs. 2,500
≈ Rs. 7 per day · Rs. 205 per month
365 credits · 365 days of access
Get startedStart free and upgrade only when you're ready, your free plan never expires.
Every paid plan unlocks everything:
Yes, search "Aafno Hisab" on Google Play, or use the download button on our site. It is a free download with no ads.
No. There is no auto-renewal and no card stored anywhere. When your credits run out, they simply run out, and you decide whether to buy more.
Almost all of it is free forever. Unlimited income and expenses, your whole history with filters and search, your own accounts and categories, transfers, budgets with overspend alerts, loans with bank-style EMI schedules, recurring entries, investments, savings goals, reports, net worth and the money tools cost nothing, with no card and no countdown. Premium is the khata page per customer, udharo reminders, AI insights and export, starting at Rs. 500 for a month.
Yes, and this is the part most apps get wrong. Choose "Interest only" when you add the loan: you pay interest each period and return the whole principal at the end of the term, which is how borrowing from family, friends and co-operatives usually works. The schedule shows every interest payment and the final principal repayment separately.
Built in Kathmandu by the team behind Aafno Hisab · Last updated
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