मेरो सेभिङ्स · Made in Nepal
The free personal finance app built for Nepal. Track everything you own and everything you spend, learn your own habits, and watch your net worth move towards a goal you set — all in Bikram Sambat months, and never once asking for your bank login.
Free to use · Nepali or English · nothing shared with any bank, insurer or employer.
One hisab for everything
Not an expense tracker with a paywall in the middle — a full household ledger. Every line below is free, with no limit on entries, accounts or months.
Sun-chandi ko bhau — pulled each morning from FENEGOSIDA and Nepal Rastra Bank.
Sampatti, month by month
Everything you own, minus everything you owe, on one line that moves. Mero Savings splits the movement in two, so you can tell what you put away yourself from what the gold price and NEPSE did for you — the difference between a good habit and a good year.
Then set what you are saving for. Each goal carries the monthly figure it actually needs by the Bikram Sambat month you named, so it stops being a wish and starts being a number you can miss or hit.
Kul sampatti · net worth
Rs 14,86,300
▲ 1,12,400
Lakshya · goals
Built for Nepal
Most budgeting apps were built somewhere else and translated. The calendar is wrong, the numbers are grouped wrong, and the things Nepali households actually deal with — sapati, tola, kisti, remittance, Dashain — are simply missing. Mero Savings starts from those.
Patro
Bikram Sambat is the default, not a display option. Budgets run Shrawan to Shrawan, bills fall on BS dates, and the year-end review lands in Ashadh where the fiscal year actually closes. Every entry stores both dates, so switch to Gregorian any time.
Lakh ra crore
Rupees group the way you say them — रू 1,25,000, with the lakh and crore caption underneath. Devanagari or Latin numerals, your choice. Amounts are whole paisa end to end, so nothing is ever a rounding error.
Sun ra chandi ko bhau
Hallmark gold and silver from FENEGOSIDA, exchange rates from Nepal Rastra Bank, fetched once each morning. Your gold is revalued from the tola quantity you entered, so the jewellery in the almirah counts as the asset it is.
Just say it
The hard part of any money app is the typing. Speak a sentence the way you actually talk, photograph the bill, or let Mero Savings read the payment alert your bank already sent to your phone. It works out the amount, the shop, the account and the Nepali date.
Nothing is saved on its own. You see what it worked out, fix whatever is wrong, and press save. On Android you choose exactly which apps it may read — your bank, eSewa, Khalti — the filter runs on the phone, and anything that looks like an OTP is dropped before it leaves the device.
It worked out draft · not saved
The OTP filter runs on your phone, before anything leaves it. AI capture is the only paid part of Mero Savings — everything else is free, and stays free.
Lagatar · streak
16
days written down
श्रावण २०८३
Two days missed this month. The streak picked up again on the third — it does not scold you, and it does not reset your history.
The habit, not the chore
Anyone can install a money app. Almost nobody keeps one. So Mero Savings is built around the one thing that actually decides whether this works — writing it down today, and again tomorrow, until it stops being a decision.
One nudge, at a time you choose, anchored to something you already do. Repeat entries are a single tap. A missed day is a missed day, not a failure — nothing is deleted and nothing lectures you. And every month it shows you what your own money actually did, so you finish the year knowing more than you started it with.
Sapati · you lent
Sapati
Every Nepali household has money out with someone and money owed to someone, and it almost never lives anywhere but memory. Mero Savings keeps it per person — what went out, what has come back, what is still outstanding, and when you last reminded them.
Both sides can hold the same record, so a repayment does not turn into an argument about what the figure was.
Questions
The budgeting app is free and stays free — accounts, expenses, budgets, bills, goals, investments, net worth, the reviews, all of it.
The only paid part is AI capture: reading a voice note, a photo of a receipt, a bank SMS or a statement PDF for you. Every account gets six months of everything free, and a batch of AI credits to try. After that, a Premium year adds 300 AI credits — sign in to your account to see the current price and how to arrange it.
No, and it is not going to. Mero Savings never asks for a bank login, a card number or an OTP, and there is no integration with any bank, wallet or cooperative.
Accounts in Mero Savings are labels you create — 'NIC Asia', 'eSewa', 'the cash in my wallet'. A balance is the opening figure you entered plus every entry since.
Yes, and it is the default. Every entry stores both dates, so you can switch the whole app between Bikram Sambat and Gregorian whenever you like. Months, budgets, reviews and the fiscal year all follow BS — the year closes in Ashadh.
It turns something you already have into a draft entry: a sentence you type or speak, a photo of a receipt or payment screen, a bank statement PDF, or — on Android — the payment alerts your phone already shows you.
It never saves anything on its own. You see the amount, category, account and date it worked out, you correct what is wrong, and you press save.
Only if you switch it on. Android asks you to grant notification access in your phone's settings, and you pick which apps Mero Savings may read — your bank, eSewa, Khalti.
The filter runs on your phone. Alerts that are not about money, and anything that looks like an OTP, are dropped before they leave the device. You can turn the whole thing off in Settings and the permission goes with it.
No. No advertising, no data brokers, no sharing with banks, insurers, employers or credit agencies. There is no analytics SDK following you around the app.
In the app: Settings, then Delete account. It removes your entries, accounts, budgets, goals, holdings, drafts and your sign-in, permanently, everywhere.
If you have already removed the app, the same request can be made by email — see the account deletion page.
Every question about the Mero Savings budgeting app, answered in full →
Free to start
One entry is enough to begin. Everything else — the budgets, the bills, the gold, the sapati — can wait until you want it.
Android 8.0 or newer · iOS 16 or newer · Nepali and English