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.