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Aafno Hisab

Nepal's personal finance app, track income and expenses, set budgets, follow EMI and sahakari loans, remember your udharo and keep a khata for every customer, in Nepali rupees and the Bikram Sambat calendar.

aafnohisabofficial@gmail.com
+977 9848988463
Kathmandu, Nepal

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Aafno Hisab is a budget tracker and expense manager built for Nepal: daily income and expense entries, monthly budgets with overspend alerts, bank-style EMI schedules alongside interest-only sahakari and relative loans, udharo reminders, khata pages for hostels, shops and rentals, fixed deposit and gold tracking, and reports you can export. It works in Nepali and English, on both the Bikram Sambat and Gregorian calendars, and keeps working offline when the connection does not.

© 2026 Aafno Hisab · आफ्नो पैसा, आफ्नै हिसाब।Built by Aryan Pariyar

Made in Nepal 🇳🇵

Blogs & Articles

Practical guides on managing money in Nepal, written by the people building Aafno Hisab.

All blogs Loans & EMI Budgeting Saving Udharo Investing Guides Business

Loans & EMI10 min read

Gold Loan vs Personal Loan: Which Is Cheaper in Nepal?

A gold loan is cheaper, but by less than most people think. The real difference is not the rate. It is who can get approved, how fast, and what happens to your jewellery if a year goes badly.

Published 30 Sept 2026 (14 Aswin 2083)

Budgeting7 min read

How to Make a Monthly Budget in Nepal (With Real Numbers)

Most budgeting advice is written for salaries that arrive in dollars. Here is a monthly budget built around a Nepali salary, real Kathmandu costs, and the months when Dashain arrives.

Updated 29 Sept 2026 (13 Aswin 2083)

Latest posts

Saving11 min read

Dhukuti Explained: How It Works, What It Returns, When It Goes Wrong

Updated 29 Sept 2026 (13 Aswin 2083)

A dhukuti is not an investment. It is a lending market where the patient lend to the impatient, and the arithmetic says exactly what each seat earns or pays. Plus the part most members do not know: it is illegal.

8 min read

What Dashain Really Costs a Nepali Family (And How to Plan for It)

Updated 29 Sept 2026 (13 Aswin 2083)

Nobody plans for Dashain, and then Dashain arrives. Here is what the festival actually costs, broken down item by item, with a way to spread it across the year instead of feeling it all in one month.

Udharo6 min read

Udharo in English: What It Means and How to Track It

Updated 29 Sept 2026 (13 Aswin 2083)

Udharo is the money you lent a cousin, a colleague, a neighbour, with no paper and no date. Here is what the word means, why it gets forgotten, and four habits that fix it.

Saving7 min read

How Much Should You Save Every Month? The 50/30/20 Rule in Nepali Rupees

Updated 29 Sept 2026 (13 Aswin 2083)

The rule says save 20%. On a Rs. 45,000 salary in Kathmandu that is Rs. 9,000 a month, and most people cannot get near it. Here is what the number should actually be, at three different salaries.

Investing7 min read

Fixed Deposit in Nepal: What You Actually Get After TDS

Updated 29 Sept 2026 (13 Aswin 2083)

A bank offers 9% on a fixed deposit. Compounding pushes it up, tax pulls it down, and the figure that reaches your account is neither. Here is the arithmetic on Rs. 1,00,000.

Loans & EMI7 min read

How Much Loan Can I Get on My Salary in Nepal?

Updated 29 Sept 2026 (13 Aswin 2083)

Banks work backwards from one number: how much of your income can go to instalments. Here is the calculation they use, worked on a Rs. 50,000 salary, and what makes the answer bigger or smaller.

Saving6 min read

Emergency Fund: How Many Months Can You Survive Without Income?

Updated 29 Sept 2026 (13 Aswin 2083)

If your salary stopped tomorrow, how long would you last? Most people have never worked it out. The number takes two minutes to find, and it changes how you think about everything else.

Guides11 min read

How to Choose a Personal Finance App in Nepal

Updated 29 Sept 2026 (13 Aswin 2083)

There are half a dozen decent Nepali finance apps now, and they solve different problems. Here is what actually separates them, what to check before you commit, and which one fits which kind of money.

Loans & EMI10 min read

Bike & Car Loan in Nepal: Down Payment, EMI, Hidden Costs

Published 29 Sept 2026 (13 Aswin 2083)

The showroom quotes an EMI. It does not mention that you need 40% in cash, that the seven-year option costs Rs 2.5 lakh more, or that the vehicle is worth less than the loan for the first two years.

Budgeting10 min read

Nepali Wedding on a Budget: Where the Money Actually Goes

Published 27 Sept 2026 (11 Aswin 2083)

Every decision at a Nepali wedding is really one decision, made once, months earlier: how many people are coming. Everything else is rounding. Here is the arithmetic, and what borrowing for it costs.

Saving10 min read

Remittance Came In, How Not to Lose It in 6 Months

Published 25 Sept 2026 (09 Aswin 2083)

The money arrives, the urgent things get paid, and by the next transfer there is nothing left to show. Six years abroad can end with an empty account or Rs 12 lakh. The difference is one decision.

Investing11 min read

CIT vs SSF vs Bank FD: Where Should Retirement Money Go?

Published 23 Sept 2026 (07 Aswin 2083)

The same 28.33% of your basic pay goes in under SSF or under PF plus gratuity, the percentages are identical. What differs is who carries the risk of you living to ninety.

Saving9 min read

How to Save on a Rs 25,000 Salary in Kathmandu

Published 22 Sept 2026 (06 Aswin 2083)

Everyone says save 20% of your income. On Rs 25,000 that advice sounds like a joke. Here is a budget that survives Kathmandu, and the Rs 8,000 of leaks that most people at this salary never see.

Investing10 min read

SIP in Nepal: Mutual Funds Without Watching NEPSE Daily

Published 21 Sept 2026 (05 Aswin 2083)

You do not need to pick shares, read charts, or have a lakh spare. Rs 2,000 a month into an open-ended fund is the whole idea. Here is how it works in Nepal, what it can return, and who should not do it.

Guides10 min read

Income Tax in Nepal: What You Pay on Rs 50,000/month

Published 20 Sept 2026 (04 Aswin 2083)

The slabs changed this year, and most people have not noticed. On a Rs 50,000 salary the tax is now about Rs 470 a month, and for anyone on SSF, nothing at all. Here is the full calculation.

Loans & EMI10 min read

Can't Pay This Month's EMI? Do These 5 Things First

Published 19 Sept 2026 (03 Aswin 2083)

A missed EMI is not one event. It is a ladder, and each rung is harder to climb back from. Here is exactly what happens at 30, 90 and 180 days, and the five things to do before any of it starts.

Loans & EMI11 min read

Home Loan in Nepal: True Cost of Rs 50 Lakh Over 20 Years

Published 18 Sept 2026 (02 Aswin 2083)

The bank tells you the EMI. It does not tell you that you will repay the loan nearly twice, or that after five years of paying you still owe 87% of it. Here is the whole number, worked out.

Loans & EMI11 min read

Meter Byaj: What It Really Costs and What the Law Says

Published 17 Sept 2026 (01 Aswin 2083)

Rs. 1,00,000 at five percent a month becomes Rs. 3,22,510 in two years. The legal maximum on that same loan is Rs. 2,00,000, ever, no matter how long it runs. Here is the arithmetic, the law, and what to do.

Business10 min read

Freelancing in Nepal: Foreign Income, Tax and Irregular Months

Published 13 Sept 2026 (28 Bhadra 2083)

Twelve lakh a year and you still felt broke in Shrawan. That is not a income problem, it is a smoothing problem, and it has a fix that works. Plus what to do about PAN, foreign payments and tax.

Business8 min read

Excel vs an App for Small Business Hisab in Nepal

Published 12 Sept 2026 (27 Bhadra 2083)

A spreadsheet is free, flexible and yours forever. That is a strong argument, and for a lot of businesses it is the right one. Here is where it stops being right, and how to tell which side of the line you are on.

Business9 min read

10 Tenants, One Notebook: A Better Way to Collect Rent

Published 11 Sept 2026 (26 Bhadra 2083)

Rent is the easiest income in the world to lose track of, because it is the same amount every month until suddenly it is not. Here is the system, including the two things that cause almost every landlord-tenant dispute.

Business9 min read

Kirana Pasal Udhaaro: Keeping a Khata That Actually Balances

Published 10 Sept 2026 (25 Bhadra 2083)

Every shop gives credit, and every shopkeeper has a khata that stopped agreeing with reality somewhere around Mangsir. Here is how to give credit without financing your customers out of your own profit.

Business9 min read

Running a Hostel: Track Room, Rent and Payment Without a Notebook

Published 9 Sept 2026 (24 Bhadra 2083)

Twenty-four students, twenty-four different payment dates, and one register that only you can read. Here is the smallest system that answers "who owes me money right now" in ten seconds.

Investing8 min read

Gold vs Fixed Deposit vs Shares: Where Nepalis Put Their Money

Updated 7 Sept 2026 (22 Bhadra 2083)

Three places Nepali savings go, and a straight comparison of what each one is actually good at, including the costs nobody mentions, like making charges and capital gains tax.

Guides10 min read

Your Salary Slip Explained: PF, CIT, SSF and Tax

Published 7 Sept 2026 (22 Bhadra 2083)

The offer letter said one number and the bank shows another. Here is where the difference goes, what each deduction buys you, and why the money leaving your salary is mostly still yours.

Guides9 min read

Your Sahakari Froze Your Money, What Are Your Options?

Published 5 Sept 2026 (20 Bhadra 2083)

The queue at the counter gets longer and the answer is always "next week". Here is what your money actually is in a cooperative, what you can realistically recover, and the order to do things in.

Budgeting7 min read

7 Money Leaks Draining Your Salary Every Month

Updated 3 Sept 2026 (18 Bhadra 2083)

None of these feel like spending. Added up on a normal Kathmandu month they come to more than most people's rent, and six of the seven can be closed this week.

Loans & EMI8 min read

Bank EMI vs Sahakari Loan: Which One Actually Costs You More?

Updated 3 Sept 2026 (18 Bhadra 2083)

A bank EMI feels heavy every month. A sahakari loan feels light. Run the same Rs. 3,00,000 through both and the cheap one turns out to cost more than twice as much in interest.

Budgeting6 min read

Bikram Sambat or AD? Why Your Household Budget Should Follow BS

Updated 3 Sept 2026 (18 Bhadra 2083)

Your salary, your rent, your school fees and your festivals all run on the Nepali calendar. Your budgeting app almost certainly does not, and that mismatch is why the numbers never quite line up.