Two questions, answered together. How much of this month's salary can you spend without eating the future — and what does the part you keep actually turn into if you leave it alone for ten years?
Splitting the salary
Start from 50 / 30 / 20 — half on essentials, a third on living, a fifth kept — then move the sliders. They always total exactly 100%, and the rupee figures always add up to exactly your take-home, to the paisa.
There is a 60 / 20 / 20 preset for renting in Kathmandu or Pokhara, where housing takes a bigger bite, and a 45 / 25 / 30 one for saving hard toward land, a deposit or going abroad.
Deductions come off first. Social Security Fund, provident fund and income tax are taken out before anything is divided, because a plan built on gross salary is a plan that fails in the second week.
What you planned, against what you spent
If you use the expense tracker on this site, each bucket shows what you actually spent last month beside what you allocated — and by how much you went over.
That is the part most budget calculators cannot do. A plan you never check against reality is a wish.
Growth, at Nepali rates
The projection uses rates seen in Nepal, not figures borrowed from an American calculator: a savings account around 3%, a one-year fixed deposit around 4.5%, Citizen Investment Trust around 9%, a balanced mutual fund SIP around 12%, and equity around 14%.
Every result shows three numbers — what you put in, what it earned, and what it is worth at the end. Then a fourth: what that amount buys in today's money after inflation, currently around 3.6%. A projection without that line flatters itself.
You can compare all five destinations side by side for the same monthly amount, which is usually more revealing than any single figure.
What this is not
It is not financial advice, and it is not a prediction. Past returns are not a promise — a mutual fund that averaged 12% did not return 12% every year, and NEPSE has losing years.
Fixed deposits and savings accounts are contractual. Mutual funds and shares are not, and can lose money. The tool says so beside each one rather than in small print at the bottom.
For anything that matters — a house, a retirement, a loan — talk to your bank or a licensed adviser.
Common questions
Is my salary information stored anywhere?
It stays in your browser, like everything else here. Nothing is uploaded, and there is no account unless you make one to sync your CVs across devices.
Where do the interest rates come from?
They reflect published Nepali rates around Shrawan 2083 — commercial bank deposit rates, and past returns for Citizen Investment Trust, mutual funds and NEPSE. Rates change frequently, so treat them as a starting point and check with your own bank.
Why is the inflation-adjusted figure so much lower?
Because money buys less over time. Rs 50 lakh in twenty years is not Rs 50 lakh in today's terms — at 3.6% inflation it is worth roughly half that. Showing only the big number would be misleading, so both appear.
Does the 50/30/20 rule work in Nepal?
It is a starting point rather than a law, and for many households here essentials take more than half — rent in the Valley and food are both heavier shares than the rule assumes. That is why the sliders move and there is a 60/20/20 preset.
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