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Blog · Retirement

Retirement

CIT, PF, SSF, gratuity, the retirement-corpus math, and FIRE adapted to Nepal — the layer most Nepalis leave on autopilot.

  • 7 min read

    What to do if your employer isn't depositing your SSF contributions on time

    Nepal gives employers 25 days to deposit your SSF contribution, with 10% interest and real fines for defaulting. How to check your balance and escalate.

    GuideNepalRetirementSSFLabour Rights
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  • 9 min read

    Contract versus permanent staff in Nepal: the PF, SSF, and leave gap

    Nepal's Labour Act applies PF, SSF, and gratuity almost regardless of the 'contract' label on your job. The real gap between contract and permanent staff is job security, not benefits.

    GuideNepalRetirementSSFLabour ActSalary
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  • 9 min read

    Government job vs private job: comparing pension math after 20 years in Nepal

    Nepal quietly moved new government hires onto the same SSF pension private-sector workers use. The sarkari-job pension edge is mostly gone. The math, by hire year.

    GuideNepalRetirementCareerPension
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  • 8 min read

    SSF for the self-employed in Nepal: what it costs a freelancer to join

    Freelancers and shop owners can join Nepal's Social Security Fund, but pay the full 31% yourself. What it buys, what it costs, why only 444 had joined by 2025.

    GuideNepalRetirementSSFFreelancersSelf-Employed
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  • 9 min read

    The 4% rule, adapted for Nepal: how much you can safely withdraw from your corpus

    The 4% rule was built on US data. Nepal's higher inflation, lower real returns, and tax drag push the safe withdrawal rate closer to 3.5% — the math behind it.

    GuideNepalFIRERetirementInvestingPersonal Finance
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  • 9 min read

    Barista FIRE in Nepal: semi-retiring on a part-time income

    Barista FIRE means a part-time income covers part of your costs so your portfolio shrinks. Every Rs 10,000/month of work cuts your FIRE number by Rs 34 lakh.

    GuideNepalFIREBarista FIRERetirementInvesting
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  • 11 min read

    Earn in dollars, retire in Nepal: the geographic-arbitrage math

    A USD 280,000 corpus is lean in America but comfortable in Kathmandu. The geographic-arbitrage FIRE math for Nepalis earning abroad — plus the tax traps.

    GuideNepalFIRERetirementNRNRemittance
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  • 11 min read

    How to withdraw your CIT or PF balance in Nepal

    Cashing out your EPF or CIT balance in Nepal: the conditions to withdraw, the documents, the portals, and the 5% retirement tax that tops off a big lump sum.

    GuideNepalRetirementPFCITTax
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  • 9 min read

    Senior-citizen allowance in Nepal: who gets बृद्ध भत्ता, how much, and how to claim it

    Nepal's senior-citizen allowance is Rs 4,000 a month from age 70 (60 for Dalit, single women and Karnali). Who qualifies, how to register, and how it pays.

    GuideNepalRetirementSocial SecuritySenior Citizens
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  • 8 min read

    Lean FIRE in Nepal: the smallest number you can actually retire on

    Lean FIRE is retiring early on a frugal budget. The smallest realistic number for Nepal — a Rs 40,000–62,000/month life, and the Rs 1.2–2 crore corpus it takes.

    GuideNepalFIRERetirementInvesting
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  • 10 min read

    SSF benefits explained: what your social security contribution actually buys

    Your slip loses 11% to SSF and your employer adds 20% more. What that 31% buys: a pension, medical cover, accident and disability pay, and a family payout.

    GuideNepalRetirementSSFSocial SecurityInsurance
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  • 11 min read

    Loan against your CIT or PF balance in Nepal: when it makes sense

    EPF lends against your own balance near 5.75% and CIT from 5.25%, well below a bank personal loan. The eligibility, the caps, and when it's the smart move.

    GuideNepalRetirementLoansCITPF
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  • 9 min read

    Final settlement when you quit a job in Nepal: PF, gratuity and leave encashment

    What your employer owes when you resign in Nepal: unpaid salary, leave encashment, PF and gratuity, accrued bonus, the 15-day deadline, and the 5% lump-sum tax.

    GuideNepalLabour LawRetirementSalaryTax
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  • 14 min read

    Switching jobs in Nepal: what happens to your PF, CIT, and SSF balance

    What actually happens to your PF, CIT, and SSF balance when you change jobs in Nepal — and the three mistakes most people make in the handover month.

    GuideNepalRetirementPFSSFCITCareer
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  • 11 min read

    Gratuity in Nepal: How It's Calculated, When You Get It, and the SSF Overlap

    The 8.33% formula under Labour Act 2074, how SSF subsumed it after 2018, the pre/post-Ashadh 2078 split, and the actual tax you pay on payout.

    GuideNepalRetirementSSFGratuity
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  • 12 min read

    How Much Retirement Corpus Do You Need in Nepal? The Rs 2 Crore Math

    Real Kathmandu expense data, a 3.5% safe withdrawal rate, and three corpus targets — Rs 1.7, 2.6, and 3.4 crore — for different retirement lifestyles.

    GuideNepalRetirementFIREPlanning
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  • 14 min read

    Coast FIRE for Nepal: the age and savings number that lets you stop adding to investments

    The Rupee number that, left to compound, grows into a Nepali retirement corpus by age 60 — three expense scenarios, three age cohorts, 5% real return.

    GuideNepalFIRECoast FIRERetirementInvestingCompounding
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  • 10 min read

    The beginner's roadmap to financial independence in Nepal

    How financial independence actually works on a Nepali salary — the FI number, the 4% rule, and a step-by-step path through SSF, CIT, FDs, and mutual fund SIPs.

    GuideNepalFIREInvestingRetirement
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  • 11 min read

    EPF to SSF: what changes the day your employer switches you over

    Your basic stays, your bank deposit may dip, and your retirement math gets rewritten. A line-by-line look at what moves when your employer shifts PF to SSF.

    GuideNepalSalaryRetirementPFSSFTax
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  • 10 min read

    CIT vs PF vs SSF: where to put your next रू 1,000 of retirement money in Nepal

    PF and SSF your employer picks; CIT is the lever you control. How to decide whether your next Rs 1,000 of retirement money goes to CIT, PF/SSF, or elsewhere.

    GuideNepalRetirementTaxCITPFSSF
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