🇳🇵 Made for Nepal — NPR, eSewa, Khalti & lakh/crore built in
Your personal financial command center
Track income, expenses, budgets, loans and investments — built on a double-entry core so your numbers always add up.
Free forever plan · No card required · English + नेपाली
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
- Rent · 34%
- Food · 24%
- Fuel · 18%
- Shopping · 14%
Recent transactions
- Food · Bhatbhateni-Rs. 2,450
- Salary · NIC Asia+Rs. 85,000
- Fuel · eSewa-Rs. 3,000
- Internet · Khalti-Rs. 1,300
Rs. 0
to get started
2 min
daily tracking habit
5+
payment channels supported
100%
balanced double-entry ledger
Everything your money needs, in one place
From daily chiya expenses to multi-year loans — Aafno Hisab keeps the full picture accurate, automatically.
Income & Expenses
Log every rupee across Cash, banks, eSewa and Khalti — with categories, remarks, receipts and location.
Budgets that talk back
Set monthly limits per category and watch live progress bars warn you before you overspend.
Loans & EMI
Auto-calculated EMI, amortization schedules, and payments that split interest from principal for you.
Investments
FD, shares, crypto, gold and mutual funds — ROI, profit/loss and portfolio value at a glance.
Reports & Export
Any period, category breakdowns, monthly trends — exported to Excel or PDF in one click.
Double-entry accurate
Every transaction posts balanced debits and credits under the hood. Your balances can never drift.
Your money, explained by AI
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.
Personalised insights
See where your money really goes, month over month.
Ask anything
Question your finances in plain Nepali or English.
Smart alerts
Early warnings before you overspend a category.
Know you're overspending before it happens
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.
- Per-category monthly limits
- Live progress with percentage
- Over-budget warnings
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%
Every EMI, split into interest and principal
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.
- EMI auto-calculated from rate and duration
- Amortization schedule, month by month
- Outstanding balance straight from the ledger
Up and running in 3 steps
Sign up free
Email or Google — your Nepali chart of accounts (Cash, Bank, eSewa, Khalti) is ready instantly.
Track for 2 minutes a day
Add income and expenses as they happen. Budgets and charts update in real time.
Watch your savings grow
Spot the leaks, plan the EMIs, grow the investments — all from one dashboard.
Bank-grade security
Row-level security — only your login can read your data.
Never lose data
Points ran out? Data waits in view-only mode. Nothing is deleted.
English + नेपाली
Switch the whole app to Nepali with one tap.
Installable app
Add to Home Screen and use it like a native mobile app.
Simple pricing. No auto-billing.
1 credit = 1 day of premium. Pay once via eSewa, Khalti or bank transfer — your plan never renews behind your back.
Start free and upgrade only when you're ready — your free plan never expires.
Frequently asked questions
Is Aafno Hisab really free to start?+
Yes. The free plan lets you track income and expenses forever — no card, no trial timer. Premium unlocks full history, budgets, loans, investments and exports.
How does the credit system work?+
1 credit = 1 day of premium. Monthly = 30 credits, 6 months = 180, yearly = 365, and Lifetime never runs out. Pay once via eSewa, Khalti or bank transfer — no auto-billing, no surprise charges.
What happens to my data if my credits run out?+
Nothing is ever deleted. Your data simply waits in view-only mode and everything unlocks the moment you top up.
Is my financial data safe?+
Your data lives in a Postgres database with row-level security — only your login can read your rows. Everything travels over HTTPS.
Can I use it on my phone?+
Yes — Aafno Hisab is installable as an app. Open it in your browser, tap “Add to Home Screen”, and it works like a native app with the Aafno Hisab icon.
How does the referral program work?+
Premium members get a personal invite link. When a friend signs up through it, you BOTH receive 30 credits — a full month of premium, free. Your link lives on your Profile page.
Your money already has a story.
Start reading it today.
Join Aafno Hisab free — your Nepali chart of accounts is ready in seconds, and your first transaction takes ten.
Start free