Paiso is Nepal's best free expense tracker app. It helps you track expenses, income, and loans in NPR (Nepali Rupees). It works with Esewa, Khalti, and all major Nepali banks like NMB, NIC Asia, Global IME, and Nabil Bank.

Is Paiso free to use?

Yes, Paiso is completely free to use. You can track unlimited expenses, income, and loans without any charges. There are no hidden fees or premium subscriptions.

Does Paiso work with Esewa and Khalti?

Yes, Paiso supports tracking for Esewa, Khalti, and all major digital wallets in Nepal. You can add multiple balance sources and track expenses from each wallet separately.

Can I download my expense statement as PDF?

Yes, Paiso allows you to download professional bank-style PDF statements. You can filter by date and download daily, weekly, or monthly statements.

Is Paiso available as a mobile app?

Yes, Paiso is available as an Android app. You can download the APK from paiso.amulya.tech/app. The web version works on all devices including iOS.

10 Practical Ways to Save Money in Nepal (That Actually Work)

Saving money in Nepal isn't about cutting joy from your life. It's about making smarter choices with your paisa. Here are 10 practical tips that real Nepali users have used to save thousands of rupees per month.

1. Track Every Expense for 30 Days

You can't save what you don't measure. Use Paiso to track every single expense for one month. Most people are shocked to discover where their money actually goes.

2. Cook at Home More Often

Eating out 5-6 times a week can easily cost Rs. 8,000-15,000 monthly. Cooking dal-bhat at home costs a fraction. Even reducing eat-outs by 50% saves significant money.

3. Use Esewa/Khalti Cashback Strategically

Both wallets offer cashback on bill payments. Pay your electricity, internet, and water bills through these wallets to earn 1-3% back on every payment.

4. Set a Festival Budget Before Dashain & Tihar

Festivals in Nepal can drain savings quickly. Set a budget months in advance, save a fixed amount monthly, and stick to it. Avoid emotional spending during festivals.

5. Buy Vegetables from Local Markets, Not Supermarkets

Local sabji bazaars are 30-50% cheaper than supermarkets for the same vegetables. Make it a weekly habit.

6. Use Public Transport and Bike Sharing

Petrol prices in Nepal are high. Use microbus, Sajha bus, or share rides for daily commutes. Save Rs. 3,000-5,000 monthly on fuel.

7. Cancel Unused Subscriptions

Netflix, Spotify, gym memberships you don't use - audit them quarterly. Many Nepalis pay for 3-4 subscriptions they barely use.

8. Use the 24-Hour Rule for Big Purchases

Before buying anything over Rs. 5,000, wait 24 hours. Most impulse purchases don't survive a day of reflection.

9. Save First, Spend Later (50/30/20 Rule)

When you receive your salary, immediately move 20% to savings. Live on the rest. This forces you to budget naturally.

10. Track Loans You Lent to Friends

Use Paiso's loan tracker to record every rupee you lend. Most people forget who borrowed what - you could be losing thousands without realizing it.

Start Today

Sign up for Paiso free at paiso.amulya.tech and start applying these tips. Within 60 days, you'll see real savings in your bank account.