Work out your Nepal provident fund (PF). In the private sector, you contribute 10% of your basic salary and your employer adds another 10% — so 20% of your basic salary goes into your fund every month. Government and public-sector staff under the Contributory Pension Scheme (CPS) contribute 6% + 6%. Enter your basic salary to see both shares and your projected balance over time. Everything runs in your browser; nothing is uploaded.
PF is calculated on your basic salary only — not on allowances, bonuses, overtime or your total gross pay.
The Employees Provident Fund declares the interest rate every year (recent years have been around 7–8%). Change it to match the latest declared rate.
Provident fund is a retirement saving: a fixed share of your basic salary is set aside every month, your employer adds an equal share, and the fund pays yearly interest on the balance. Under the Labour Act 2074, Section 52, the employer deducts 10% of basic remuneration from the employee and adds 10% of its own for private-sector staff. Government and public-sector staff under the Contributory Pension Scheme (CPS) contribute 6% + 6%. Staff enrolled in the Social Security Fund (SSF) also build their provident fund inside SSF at 10% + 10% of basic salary. You can check your balance on the official EPF portal (epf.org.np).
On your basic salary only. Allowances such as transport, food, festival bonus and overtime are not included, unless your employment contract counts them as basic remuneration.
At retirement, or when you leave the job, under the EPF rules — the full balance including interest is paid out, and the tax treatment depends on the withdrawal rules in force at the time. Check the EPF office or portal for the current process.
Use the rate the Employees Provident Fund declared most recently — it has been around 7–8% in recent years. The calculator defaults to 7%; change it if a new rate is announced, because the projection moves with it.
Disclaimer: This is an estimate based on the Labour Act 2074 (Section 52) and the published EPF/CPS contribution rates (10% + 10% for private-sector EPF, 6% + 6% for government CPS). The projection assumes a fixed basic salary and a fixed yearly interest rate, compounded monthly — real balances change with salary rises, rate changes and withdrawals. Always confirm your balance on the official EPF portal (epf.org.np) or with your employer. This tool is not affiliated with the Employees Provident Fund and is not financial advice.