A personal finance app built for Nepal
Not a foreign app with a rupee sign pasted on. Aafno Hisab tracks the money Nepali households actually hold: cash, udharo, khata, sahakari loans and gold, alongside the bank.
Free for income and expenses. No card, nothing auto-renews.
Most finance apps only see one row
A finance app that reads your bank statement gives you a tidy picture of a small part of your money. In Nepal, the larger part moves in cash, sits with a relative who has not repaid you yet, is written in a shopkeeper's notebook, or is a monthly interest payment to a sahakari.
None of that reaches a bank statement. It has to be recorded where it happens, in a few seconds, on a phone, often with no signal.
What “built for Nepal” actually means here
Nepali and English
The whole app, not a half-translated menu. Switch whenever you like.
Bikram Sambat and AD
Budget by Nepali month, because that is when your salary and your rent arrive.
Rupees, formatted properly
Lakh and crore grouping. Rs. 1,45,462, not 145,462.
Works without a network
Enter it standing in the shop. It syncs when the signal comes back.
Udharo and khata
Money lent to people, and a running page per customer, student or tenant.
Sahakari and relative loans
Interest-only borrowing, not just bank EMI. Both get a real schedule.
Reports you can export
Excel or PDF, whenever your accountant or your bank asks for them.
Money tools
FD maturity, SIP, gold in tola, loan eligibility. Built in, no spreadsheet.
Who uses it
Salaried people
Where the salary goes, what the EMI really costs, and how much is left before month end.
Monthly budget guideShopkeepers and landlords
A running khata for every credit customer, tenant or student, with the balance already added up.
Pasal udharo guideFreelancers and families abroad
Irregular income, foreign payments, and remittance that has to last until the next transfer.
Freelancing guideIs it the right app for you?
There are several good Nepali finance apps now, and they are not all solving the same problem. Ours is the right choice in some situations and not in others.
A good fit if
- A lot of your money moves in cash
- You lend to friends and family and forget it
- You run a shop, hostel or rental with a khata
- You have a sahakari or relative loan, not only bank EMI
- You want Nepali and Bikram Sambat throughout
Probably not, if
- Nearly everything you spend goes through one bank account and you would rather import a statement than type entries.
- You want a free tool and will not pay for budgets, loans or reports. Our free tier is real, but it is deliberately small.
- You need full business accounting with inventory and VAT billing. That is a different category of product.
We wrote an honest comparison of the Nepali options, including the ones we do not make. How to choose a personal finance app in Nepal.
Free to start, Rs. 500 a month if you want the rest
Income and expenses, your own categories, the dashboard, Nepali and Bikram Sambat: free, permanently. Budgets, loans, investments, udharo, khata, reports and AI insights are premium, and the six-month plan works out cheaper per day than a cup of tea.
Questions people ask
What is the best personal finance app in Nepal?
It depends on where your money actually sits. If nearly everything runs through one bank account, an app built around statement import will suit you. If a large share of your money is cash, udharo, khata, a sahakari loan or gold, you need an app that records those directly, because none of them appear on a bank statement. Aafno Hisab is built for the second case, and there is an honest comparison of the Nepali options in our guide to choosing one.
Is Aafno Hisab free?
Yes, for adding income and expenses, your own categories, the dashboard and the Nepali and Bikram Sambat interface. Budgets, loans, investments, udharo, khata, reports and AI insights are premium, starting at Rs. 500 a month with cheaper six-month and yearly plans. There is no card on file and nothing renews automatically.
Does it work offline?
Yes. Transactions entered without a network are stored on the phone and synced when the connection returns, and each one carries an identifier so a replay cannot create a duplicate. Editing and deleting need a connection; creating does not.
Does it support the Bikram Sambat calendar?
Throughout. Dates, monthly budgets and reports all work in BS or AD, and you can switch at any time from your profile. Budgets run on the Nepali month, which is the month your rent and salary actually follow.
Is my financial data safe?
Every table is protected by row-level security keyed to your own account, so one user's queries cannot reach another user's rows. Documents such as citizenship copies are held in private storage and opened through short-lived links. You can export everything, and you can delete your account and its data yourself.
Which is the best money app in Nepal?
That depends on what you mean by money app, because three different kinds get called that. Wallets such as eSewa and Khalti move money and pay bills. Banking apps show one bank account. Personal finance apps such as Aafno Hisab, Kharchapatra, Bhudki and EZer record where your money goes across all of them, including cash. A wallet cannot tell you where your salary went, and a finance app cannot pay your electricity bill, so most people end up using one of each.
Is there a free expense tracker app in Nepal?
Yes, several, including a genuinely free tier here. Aafno Hisab is free for adding income and expenses, your own categories and the dashboard, with no card and no trial that quietly ends. Budgets, loans, udharo, khata and reports are the paid part. Other Nepali apps draw the free line in different places, so it is worth checking which side of it the feature you actually want falls on.
Is there an Android app?
Yes, on Google Play. It is the same app as the website, so anything entered on your phone is on your computer immediately. Premium is bought on the website rather than inside the app, because Google Play requires its own billing for in-app purchases and Nepal is not a supported merchant country for it.
Start with today's expensesthe rest follows
Free for income and expenses, in Nepali or English, on the Bikram Sambat calendar, working offline when the network does not.
- Nepali & Bikram Sambat
- Your data stays yours
- Works offline
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