Financial Tools

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NEPSE Calc

Broker commission, capital gain tax, and net profit calculate quickly.

No matching tool found. Try keywords like tax, gold, nepse, fd.

Income Tax Calculator

edit_note Input Details

Status

Latest tax slab auto-load huncha from backend for better accuracy.

Annual Income (Rs)

verified_user Deductions (Tax Savings)

Life Insurance Max 40,000

Health Insurance Max 20,000

PF / CIT / SSF Max 1/3 or 3L

database NRB + Sano Model

schedule Auto Updated

verified 100%

verified Verified

Estimated Tax Liability

account_balance_wallet

Calculated with latest tax rules

psychology What This Means

bolt Action Now

Maximize via SSF/CIT arrow_forward

Contribute to SSF to push income below the next slab.

timer Delay Cost

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Recommended Next Steps

savings

Maximize Savings (SSF/CIT)

SSF/CIT use gareko le tax burden aru kam garna help garcha.

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Invest Saved Tax via SIP

Put your tax savings into a monthly SIP and see 10-year projections.

Tax Slab Breakdown

Taxable Slab		Rate	Tax Value

SIP Planning

Monthly Investment (Rs)

Return (%)

Years

Inflation Rate (%)

warning

Inflation Warning: Inflation badhda future purchasing power ghatcha. Real-value gap: .

If % Return

database Sano Compounding Model

schedule Live

verified 98%

calculate Estimated

Future Corpus

Real Value:

Invested:

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Wealth Projection

psychology What This Means

bolt Action Now

Compare vs FD arrow_forward

See if SIP beats your bank FD rate after inflation.

timer Delay Cost

Wealth Projection

Year	Total Invested	Market Value	Real Value

Gold Goal Planner

Target Quantity (Tola)

Time Horizon (Months)

Current Market Price

database FENEGOSIDA + Sano Consensus

schedule Live

verified 95%

verified Verified

Gold Savings Target

Rate: Rs

Live gold rate missing. Showing fallback/base value.

payments

Gold Goal Target

Digital Gold Option

MyPay Gold Links

Nepal Law Alert

Open MyPay Gold Open MyPay Wallet

Legal Warning (Nepal)

Wallet (PSP) license ra investment-product approval same kura haina.
Digital gold bank fixed deposit jasto guaranteed wa deposit-insured hudaina.
Rules change huna sakcha; investment agadi NRB ra SEBON ko latest notice verify garnu.

NRB PSP Licensed List SEBON Notices NRB Grievance Portal

psychology What This Means

bolt Action Now

Automate via SIP arrow_forward

Set up a monthly savings target to reach your gold goal automatically.

timer Price Risk

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Recommended Next Steps

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Start a Gold SIP

See the SIP projection for your gold goal.

EMI Calculator

Loan Amount (Rs)

Interest Rate (%)

Duration (Years)

Monthly Income (Rs)

database Bank EMI Standard

schedule Live

verified 100%

verified Verified

Monthly Repayment (EMI)

Income Ratio:

calendar_month

Amortization Plan

psychology What This Means

bolt Action Now

timer Interest Erosion

Amortization Schedule (Yearly)

Year	Interest Paid	Principal Paid	Remaining Balance

Inflation Impact

Present Amount (Rs)

Annual Inflation Rate (%)

Time Horizon (Years)

database NRB + Sano Model

schedule Live

verified 95%

calculate Estimated

Purchasing Power in Future

Loss:

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Value Erosion

psychology What This Means

bolt Beat Inflation

Compare FD vs SIP arrow_forward

See which investment beats Nepal's inflation rate.

timer Annual Loss

Erosion Timeline

Year	Real Value	Lost Power

Erosion Timeline

Year	Real Value	Lost Power

Insurance Need

Step 2 of 3 - Need Calculation

Risk check बाट आएका values auto-filled छन्. Adjust गरेर exact protection need निकाल्नुहोस्।

family_restroom Family Protection

Monthly Expenses (Rs)

Total Debt/Loans (Rs)

Future Goals (Education, etc.) (Rs)

Existing Life Cover (Rs)

Recommended Life Cover

Existing Cover:

Debt + Goals:

security

Term-first Protection

security

tips_and_updates Practical Advice

check_circle This amount ensures your family can maintain their lifestyle for 15 years and clear all debts.
check_circle Don't buy endowment plans for this amount; they are too expensive. Use a Term Plan instead.

Insurance Action Plan

Step 3 of 3 - Need to Monthly Plan

Result

Target life cover (Term)

Health Gap

Additional medical cover needed

Emergency Gap

Cash buffer gap to fill first

Risk Explanation

If protection gaps stay open, one medical event or income shock can break long-term investment continuity.

What To Do Monthly

What To Do Now

Health Insurance Gap

Family Members

Expected Annual Medical Cost (NPR)

Employer Health Cover (NPR)

Existing Family Cover (NPR)

Risk Buffer %

Result

Additional cover needed

Risk Explanation

What To Do Monthly

Keep this as non-negotiable protection budget.

What To Do Now

Emergency Fund Planner

Monthly Essential Expense (NPR)

Current Emergency Savings (NPR)

Target Months

Build In (Months)

Result

Target emergency corpus

Risk Explanation

What To Do Monthly

Keep this in high-liquidity FD/savings only.

What To Do Now

Remittance Planner

Monthly Remittance (NPR)

Family Expense (NPR)

Debt/EMI Payment (NPR)

Minimum Monthly Buffer (NPR)

Transfer Fee %

FX Risk Buffer %

Result

Risk Explanation

FX + transfer cost reduces usable amount. Without a buffer, family cashflow gets stressed in volatile months.

What To Do Monthly

What To Do Now

Term vs Endowment

verified_user

Term Insurance

Pure Protection

check High coverage at very low premium
check 100% focused on family security
info No money back if you survive

Best For:

Building a large safety net (Rs. 1Cr+) for your family on a budget.

savings

Endowment Plan

Savings + Protection

check Guaranteed money back + bonus
check Forced savings for long term
close Very low coverage for high premium

Best For:

Safe, disciplined savings for specific goals like child education.

SanoLagani's Pro Tip 💡

Don't mix insurance and investment. Buy a Term Plan for safety and invest the remaining money in Mutual Funds (SIP) or FDs. This usually results in 3x more wealth and 10x more coverage.

Risk Profiler

Step 1 of 3 - Risk Check

Insurance Journey Start

First risk बुझौं, then insurance need, and finally monthly action plan.

If market drops 20%, what do you do?

Income stability

Dependents

Emergency Cover (months)

Monthly Income (NPR)

Monthly Expense (NPR)

Loan / Liability (NPR)

Existing Life Cover (NPR)

Future Goals (education etc.) NPR

Result

Risk Explanation

Low emergency months + high dependents means protection urgency goes up.

What To Do Now

Move to step 2 and calculate exact life cover with your risk context.

What To Do Monthly

Track emergency buffer progress and avoid taking new liabilities without protection.

Rent vs Buy

home_work Scenarios

Current Monthly Rent (Rs)

Target House Price (Rs)

Downpayment %

Loan Rate %

Assumptions

Appreciation % (Real Estate)

Investment ROI % (SIP/FD)

Conclusion after 15 Years

balance

Net Worth if you BUY

Net Worth if you RENT

insights Decision Insight

FIRE Planner

timeline Retirement Goals

Current Age

Retire at Age

Monthly Expenses (Today, Rs)

Current Savings (Rs)

Investment Return %

8% (Safe) 20% (Aggressive)

Target Corpus for Freedom

FIRE Year:

Monthly SIP:

local_fire_department

Financial Independence

event

Financial Independence

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Monthly SIP Needed

Verified Financial Partner Space

Financial Tools

Income Tax

SIP Planner

EMI Planner

Gold Goal

Inflation

Decision Guide

Insurance Need

Health Gap

Emergency Fund

Term vs Endowment

Risk Score

Remittance Plan

Rent vs Buy

FIRE Planner

FD vs SIP

NEPSE Calc

NEPSE AI

Income Tax Calculator

edit_note Input Details

verified_user Deductions (Tax Savings)

Recommended Next Steps

Tax Slab Breakdown

SIP Planning

Wealth Projection

Gold Goal Planner

MyPay Gold Links

Recommended Next Steps

EMI Calculator

Amortization Schedule (Yearly)

Inflation Impact

Erosion Timeline

Erosion Timeline

Insurance Need

family_restroom Family Protection

tips_and_updates Practical Advice

Insurance Action Plan

Health Insurance Gap

Emergency Fund Planner

Remittance Planner

Term vs Endowment

Term Insurance

Endowment Plan

SanoLagani's Pro Tip 💡

Risk Profiler

Insurance Journey Start

Rent vs Buy

home_work Scenarios

Assumptions

Conclusion after 15 Years

insights Decision Insight

FIRE Planner

timeline Retirement Goals

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