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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Money talks with parents in Nepal: 5 conversations to have before they retire
Five money talks to have with Nepali parents before retirement: pension, where the money is, property, health, debt — with the law and numbers behind each.
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.
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.
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.
