Finance & Tax

Nepal SSF Calculator

नेपाल सामाजिक सुरक्षा कोष

Work out the employer's 20% and employee's 11% Social Security Fund contributions on basic salary, with a component breakdown.

Calculate Nepal's Social Security Fund (SSF) contributions on basic salary. See the employee's 11% and the employer's 20%, the 31% total, and a full component breakdown with a monthly and projected total.

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SSF is calculated on basic salary, not on allowances.
Use 12 for one year, or the months remaining until retirement.
Total monthly contribution—
Employee contribution (11%)
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Employer contribution (20%)
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Total contribution (31%)
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Employee deduction per year
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Employer cost per year
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Projected over the period
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Monthly take-home reduced by
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Contribution breakdown

ContributorComponentRateMonthly (Rs)Period (Rs)

The employee's 11% is deducted from gross salary, while the employer's 20% is an additional cost on top of salary.

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About the Nepal SSF calculator

The Social Security Fund (SSF) is Nepal's contributory retirement scheme for formal-sector employees. Each month the employee and the employer both pay a fixed share of the employee's basic salary into the fund. This calculator shows the employee's contribution, the employer's contribution, the total deposited, and a month-by-month breakdown of where the money goes.

How much is contributed

The employee contributes 11% of basic salary and the employer contributes 20%, for a combined 31%. Contributions are calculated on basic salary only — not on allowances such as dearness, house rent or transport — so the SSF amount can be much smaller than the gross salary.

Where the money goes

The employee's 11% splits into 10% to the provident fund and 1% as the Social Security Tax. The employer's 20% splits into 10% to the provident fund, an 8.33% gratuity component and a 1.67% additional contribution. The employer's share is an extra cost on top of the salary, while the employee's 11% is deducted from gross pay before take-home is calculated.

Why employers use the SSF

Registering with the SSF lets an employer meet the provident-fund and gratuity obligations of the Labour Act 2074 in a single scheme, and the fund also covers medical care and dependent benefits. Employers that are not registered with the SSF must provide gratuity and provident fund separately under the labour rules.

Contains the number only — check your own details

The rates used here are the standard SSF percentages. Your payslip, salary structure and the exact definition of basic salary can vary by employer, so treat the result as an estimate and confirm the figures with your employer or the SSF.

Frequently asked questions

What is the SSF contribution rate in Nepal?
The employee contributes 11% of basic salary and the employer contributes 20%, making a total of 31%. The employee’s 11% is 10% provident fund plus 1% Social Security Tax, and the employer’s 20% is 10% provident fund, 8.33% gratuity and 1.67% additional contribution.
Is SSF calculated on gross salary or basic salary?
On basic salary. Allowances such as dearness, house rent and transport are not part of the SSF base, so the contribution is usually lower than 31% of the gross monthly salary.
Who has to contribute to the SSF?
Formal-sector employees and their employers contribute to the SSF under the Contribution-Based Social Security Act 2074. Employers registered with the fund deposit the combined 31% monthly; the employee’s 11% is deducted from gross salary.
Does the employee contribution reduce take-home pay?
Yes. The employee’s 11% is deducted from gross salary before you receive the net pay, while the employer’s 20% is an additional cost the employer pays on top of the salary.
What is the difference between SSF and provident fund?
The SSF is the umbrella scheme that includes the provident fund along with gratuity, Social Security Tax, medical care and dependent benefits. The provident fund is the savings portion within it — 10% from the employee and 10% from the employer.
Are the SSF rates the same as last year?
Yes — the 11% employee and 20% employer rates have not changed in the 2082/83 (2025/26) budget. The calculator uses those standard rates; confirm any change with the Social Security Fund.

Sources & further reading

  1. Social Security Fund, Nepalssf.gov.np
  2. Contribution-Based Social Security Act 2074ssf.gov.np