Provident Fund (EPF) calculator
Estimate your Employees Provident Fund (Karmachari Sanchaya Kosh) maturity from your monthly basic salary, years of service and the declared annual interest — employee 10% + employer 10% = 20% of basic, compounded monthly.
The EPF return is declared each year, so the rate is editable (default 8.5%). A planning-level tool, computed in your browser — not an official statement.
Your details
Basic pay only — EPF contributions are on basic salary, not gross pay with allowances.
Whole years until withdrawal or retirement.
EPF declares its return every year (recently roughly 8–10%). Default 8.5% — edit to your year's rate from epf.org.np.
Expected yearly rise in basic salary. Leave at 0 to hold basic constant.
Maturity fund value
Rs 82,56,466
After 25 years of 20% monthly contributions
Interest earned
Rs 58,56,466
Total contributed
Rs 24,00,000
Employee (10%)
Rs 12,00,000
Employer (10%)
Rs 12,00,000
Interest earned
Rs 58,56,466
| Year | Opening | Contributed | Interest | Closing |
|---|---|---|---|---|
| 1 | Rs 0 | Rs 96,000 | Rs 3,830 | Rs 99,830 |
| 2 | Rs 99,830 | Rs 96,000 | Rs 12,654 | Rs 2,08,483 |
| 3 | Rs 2,08,483 | Rs 96,000 | Rs 22,258 | Rs 3,26,741 |
| 4 | Rs 3,26,741 | Rs 96,000 | Rs 32,711 | Rs 4,55,452 |
| 5 | Rs 4,55,452 | Rs 96,000 | Rs 44,088 | Rs 5,95,539 |
| 6 | Rs 5,95,539 | Rs 96,000 | Rs 56,470 | Rs 7,48,010 |
| 7 | Rs 7,48,010 | Rs 96,000 | Rs 69,947 | Rs 9,13,956 |
| 8 | Rs 9,13,956 | Rs 96,000 | Rs 84,615 | Rs 10,94,572 |
| 9 | Rs 10,94,572 | Rs 96,000 | Rs 1,00,580 | Rs 12,91,152 |
| 10 | Rs 12,91,152 | Rs 96,000 | Rs 1,17,956 | Rs 15,05,107 |
| 11 | Rs 15,05,107 | Rs 96,000 | Rs 1,36,868 | Rs 17,37,975 |
| 12 | Rs 17,37,975 | Rs 96,000 | Rs 1,57,451 | Rs 19,91,426 |
| 13 | Rs 19,91,426 | Rs 96,000 | Rs 1,79,854 | Rs 22,67,279 |
| 14 | Rs 22,67,279 | Rs 96,000 | Rs 2,04,237 | Rs 25,67,516 |
| 15 | Rs 25,67,516 | Rs 96,000 | Rs 2,30,775 | Rs 28,94,291 |
| 16 | Rs 28,94,291 | Rs 96,000 | Rs 2,59,659 | Rs 32,49,950 |
| 17 | Rs 32,49,950 | Rs 96,000 | Rs 2,91,096 | Rs 36,37,045 |
| 18 | Rs 36,37,045 | Rs 96,000 | Rs 3,25,311 | Rs 40,58,357 |
| 19 | Rs 40,58,357 | Rs 96,000 | Rs 3,62,552 | Rs 45,16,908 |
| 20 | Rs 45,16,908 | Rs 96,000 | Rs 4,03,083 | Rs 50,15,992 |
| 21 | Rs 50,15,992 | Rs 96,000 | Rs 4,47,198 | Rs 55,59,189 |
| 22 | Rs 55,59,189 | Rs 96,000 | Rs 4,95,212 | Rs 61,50,401 |
| 23 | Rs 61,50,401 | Rs 96,000 | Rs 5,47,469 | Rs 67,93,870 |
| 24 | Rs 67,93,870 | Rs 96,000 | Rs 6,04,346 | Rs 74,94,216 |
| 25 | Rs 74,94,216 | Rs 96,000 | Rs 6,66,250 | Rs 82,56,466 |
A planning-level estimate. Each month 20% of basic salary (employee 10% + employer 10%) is contributed and the balance compounds monthly at your chosen annual rate ÷ 12; salary growth, if entered, is applied once a year. The actual EPF return is declared annually and is not fixed, so vary the rate to see a range. EPF (Karmachari Sanchaya Kosh) and SSF are mutually exclusive for an employee.
From monthly basic to a retirement fund
Each month a fixed 20% of basic salary is set aside; the fund then compounds at the rate EPF declares for the year, so contributions and interest build over your career.
20% of basic
Every month, 10% of basic salary from the employee and a matching 10% from the employer — 20% in total — is deposited into the fund.
Monthly compounding
The running balance earns interest at the declared annual rate ÷ 12 each month. The default 8.5% is editable, as EPF declares the rate yearly.
Maturity value
Over your years of service the contributions plus accrued interest accumulate into the maturity fund value, shown with a year-by-year breakdown.
Provident Fund, answered
How much is contributed to the Employees Provident Fund in Nepal?+
Under the Employees Provident Fund (Karmachari Sanchaya Kosh), the statutory contribution is 10% of basic salary from the employee and a matching 10% from the employer — a total of 20% of basic salary deposited every month. Contributions are calculated on basic salary, not gross pay with allowances.
What interest rate does the Provident Fund pay?+
The EPF return is declared annually rather than being a fixed statutory rate; in recent years it has been roughly 8–10%. This calculator defaults to 8.5% but lets you edit the rate, so you can enter the actual rate declared for your year from epf.org.np or model a range.
How is the maturity value calculated?+
Each month, 20% of basic salary is added to your fund and the running balance compounds at the annual rate divided by 12. Over the years of service the contributions plus accumulated interest build the maturity fund value. If you enter an annual salary growth, the monthly contribution rises each year as your basic salary grows.
Should I use basic salary or gross salary?+
Use basic salary. EPF contributions in Nepal are levied on basic salary, not on gross pay that includes allowances, bonuses or overtime. Entering gross pay would overstate both the contribution and the maturity figure.
Can I be in both the Provident Fund and the Social Security Fund?+
Generally no. For an employee, the Employees Provident Fund (EPF / Karmachari Sanchaya Kosh) and the Social Security Fund (SSF) are mutually exclusive — you contribute to one scheme, not both at the same time. Which one applies depends on your employer's enrolment.
Is this an official Provident Fund statement?+
No. It is an indicative, planning-level estimate computed in your browser using a constant assumed rate. Your real fund balance depends on the actual rates declared each year, your exact contribution history and any withdrawals. Always confirm with the Employees Provident Fund (epf.org.np) for your official balance.
Sources & data note
Statutory contribution per the Employees Provident Fund (Karmachari Sanchaya Kosh): employee 10% + employer 10% of basic salary = 20% total, deposited monthly. The annual return is declared yearly by EPF (recent years roughly 8–10%) and is treated here as an editable input defaulting to 8.5% — it is not a fixed constant. EPF and the Social Security Fund (SSF) are mutually exclusive for an employee. This is an indicative, planning-level estimate, not an official statement or financial advice.