Budgets
Envelope budgeting, the Nepali way
Give every rupee a job before the month starts — kirana, rent, school fees, savings — and let Lekhapalani watch the envelopes for you.
How budgeting works
Four steps to a month that balances
The envelope method is how Nepali households have budgeted for generations. We just removed the paper.
- 1
Pick your categories
Kirana, rent, school fees, transport, dining out, savings — start from a template or build your own.
- 2
Set monthly limits
Assign each envelope a limit in NPR based on last month's report and this month's plan.
- 3
Log spending as usual
Keep using quick add — every transaction is matched to its envelope automatically.
- 4
Roll over or reset
Unspent money rolls into next month. Overspend shows red, gently, before it's too late.
Budget features
Budgets that behave like a real khata
Simple rules, honest numbers, no guilt-tripping.
Envelope budgets
Category limits with a live remaining balance for every envelope.
Shared household wallets
One budget, several members — parents and partners see the same envelopes.
Rollover
Surplus carries into next month automatically; overspend draws from the next envelope.
Overspend alerts
A nudge when an envelope crosses 80%, and a clear warning at 100%.
A sample family budget
What a Kathmandu household khata looks like
A realistic starting point for a family of four in the valley — adjust to your own numbers.
- Kirana & groceries: NPR 18,000
- Rent & utilities: NPR 25,000
- School fees & books: NPR 8,000
- Transport: NPR 4,000
- Savings & emergencies: NPR 10,000 [CLIENT-COPY: verify sample figures with the team]
Give every rupee a job
Set your first month of envelopes free — no credit card needed.