Retirement planning in Nepal
How CIT, PF and SSF compare, what gratuity is worth, how to withdraw or borrow against your balance, the corpus a Nepali retirement needs, and FIRE worked out in rupees.
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- CIT vs PF vs SSF: where to put your next रू 1,000 of retirement money in Nepal
- SSF benefits explained: what your social security contribution actually buys
- How Much Retirement Corpus Do You Need in Nepal? The Rs 2 Crore Math
- The beginner's roadmap to financial independence in Nepal
- How to withdraw your CIT or PF balance in Nepal
Run your own numbers with the FIRE calculator.
- 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.
- 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 a 'contract' label. The real gap between contract and permanent staff is job security.
- 9 min read
Government job vs private job: comparing pension math after 20 years in Nepal
Nepal quietly moved new government hires onto the SSF pension private workers use, so the sarkari-job pension edge is mostly gone. The math, by hire year.
- 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.
- 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.
- 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.
- 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.
- 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.
- 10 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; Dalit citizens and old Karnali-zone residents get Rs 2,660 from 60. Rules, renewal and payment.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.