Retirement
CIT, PF, SSF, gratuity, the retirement-corpus math, and FIRE adapted to Nepal — the layer most Nepalis leave on autopilot.
- 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% tax on the lump sum.
GuideNepalLabour LawRetirementSalaryTaxRead post - 14 min read
Switching jobs in Nepal: what happens to your PF, CIT, and SSF balance
Your retirement money doesn't move with your laptop. Here's 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.
GuideNepalRetirementPFSSFCITCareerRead post - 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.
GuideNepalRetirementSSFGratuityRead post - 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 crore, Rs 2.6 crore, and Rs 3.4 crore — for different retirement lifestyles.
GuideNepalRetirementFIREPlanningRead post - 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 FIRERetirementInvestingCompoundingRead post - 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.
GuideNepalFIREInvestingRetirementRead post - 11 min read
EPF to SSF: what changes the day your employer switches you over
Your basic doesn't change, your bank deposit might dip, and your retirement math gets rewritten. A line-by-line walk-through of what moves when your employer migrates from PF to the Social Security Fund.
GuideNepalSalaryRetirementPFSSFTaxRead post - 10 min read
CIT vs PF vs SSF: where to put your next रू 1,000 of retirement money in Nepal
PF and SSF you don't really choose — your employer does. CIT is the lever you actually control. Here's how to decide whether the next रू 1,000 of retirement money should go to CIT, more PF/SSF, or somewhere else entirely.
GuideNepalRetirementTaxCITPFSSFRead post