Aafno Hisab: Personal Finance

Aryan Pariyar

About this app

Aafno Hisab (आफ्नो हिसाब) is a personal finance app built for Nepal — not a foreign app with a rupee sign pasted on. Track where your money actually goes, plan your EMIs, and stop forgetting the money you lent to friends.

आफ्नो पैसा, आफ्नै हिसाब।

MADE FOR NEPAL
• Nepali rupees with proper lakh/crore formatting
• Cash, banks, eSewa and Khalti accounts out of the box
• Bikram Sambat (BS) and English (AD) calendars — switch anytime
• Full नेपाली and English interface

TRACK EVERY RUPEE
• Log income and expenses in seconds, with categories and remarks
• Monthly budgets that warn you at 90%, before you overspend
• Cash flow and category charts that show where the money really goes
• Unlimited accounts — every bank, wallet and cash source in one place

LOANS AND EMI, DONE PROPERLY
• Full amortization schedule that matches your bank's sheet
• Day-count interest, principal/interest split on every payment
• Reminders 3, 2 and 1 days before an EMI is due

UDHARO — MONEY YOU LENT
Nepal's most forgotten money. Record what you lent (or borrowed), set the date you should ask for it back, and Aafno Hisab reminds you before it arrives — in the app and by email. No more awkward conversations six months later.

MONEY TOOLS
• 50/30/20 savings rule, checked against your real numbers
• Emergency fund planner — how many months you are covered
• Loan prepayment calculator — see the interest and months you save
• Financial health score out of 100

AI INSIGHTS
Ask about your own money in plain Nepali or English — "यो महिना मेरो पैसा कहाँ गयो?" — and get an answer from your real numbers. Daily personalised insights show patterns you would otherwise miss. Only aggregated totals are analysed; your individual transactions are never sent anywhere.

WORKS OFFLINE
No internet? Your dashboard, balances and recent transactions still open, and new expenses still save. Everything syncs automatically the moment you are back online.

ALSO INSIDE
• Savings goals with live progress
• Investments — FD, shares, gold, crypto — with ROI
• Recurring transactions for salary, rent and subscriptions
• Reports exported to Excel or PDF
• PIN lock and hide-balance mode for privacy

BUILT ON REAL ACCOUNTING
Every transaction posts balanced double-entry records under the hood, so your balances can never silently drift. It is the same principle banks use, just invisible to you.

YOUR DATA IS YOURS
We never sell or share your financial data. Every row is protected by row-level security so only your login can read it. You can wipe your data or delete your account entirely, anytime, from your profile.

PRICING
Free forever for income and expense tracking. Premium unlocks budgets, loans, investments, goals, udharo, AI and exports, and every new account gets a 7-day full premium trial. There are no in-app purchases, no auto-billing and no card is ever saved.

WHO USES AAFNO HISAB
Salaried people tracking where the month goes. Shopkeepers keeping a
digital khata instead of a copy. Families planning EMI and school fees.
Nepalis abroad sending money home and watching it from far away.

WHY NOT A NOTEBOOK OR A SPREADSHEET
A copy cannot warn you before you overspend, cannot remind you that Suman
owes you Rs. 5,000, and cannot tell you how much interest your bike loan
has cost so far. Aafno Hisab does all three without you doing extra work.

COMMON QUESTIONS
Is it free? Yes — income and expense tracking is free forever.
Does it work offline? Yes, and it syncs when you reconnect.
Is my data safe? Only your login can read your rows.
Can I use it in Nepali? Yes, and with the Bikram Sambat calendar.


Questions? [e-mail]

What’s new

Aafno Hisab is now available to everyone.

- Track income and expenses in Nepali rupees
- Budgets, loans with EMI schedules, and udharo reminders
- Money tools: savings rule, emergency fund, FD, SIP, gold
- Works offline, syncs when back online
- Nepali and English, Bikram Sambat calendar