Blogs & Articles

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

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Kirana Pasal Udhaaro: Keeping a Khata That Actually Balances

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

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.

Latest posts

Guides11 min read

How to Choose a Personal Finance App in Nepal

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.

Guides

10 min read

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

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?

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.

Budgeting8 min read

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

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.

Saving6 min read

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

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.

Budgeting6 min read

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

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.

Budgeting7 min read

7 Money Leaks Draining Your Salary Every Month

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 & EMI7 min read

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

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.

Saving7 min read

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

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

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.

Investing8 min read

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

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.

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.

Udharo6 min read

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

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.

Loans & EMI8 min read

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

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.