Salary take-home calculator
Turn your monthly gross salary into net take-home pay, after Nepal income tax and your SSF or EPF retirement contribution.
Uses the current IRD income-tax slabs for FY 2082/83 (2025/26) and FY 2083/84 (2026/27), with SSF at 11% and EPF at 10% of basic salary. Computed in your browser.
Your salary
Annual gross = monthly × 12 = Rs 12,00,000 / year
2026/27 · per Finance Bill 2083
SSF and EPF are mutually exclusive, pick the one you contribute to. The employee contribution is levied on BASIC salary, not gross.
Retirement contributions are legally on basic salary. Many Nepali pay structures set basic ≈ 60% of gross, adjust to match your payslip. Basic = Rs 60,000 / month.
Monthly take-home pay
Rs 92,393
Rs 11,08,720 take-home per year
Income tax / year
Rs 12,080
SSF contribution / yr
Rs 79,200
Effective tax rate
1.1%
Marginal rate
10%
| Annual figure | Amount |
|---|---|
| Gross salary | Rs 12,00,000 |
| Employee retirement contribution (SSF 11% of basic) | − Rs 79,200 |
| Taxable income (after allowed deductions) | Rs 11,20,800 |
| Income tax | − Rs 12,080 |
| Net take-home | Rs 11,08,720 |
A guidance estimate for FY 2083/84 (2026/27). Income-tax slabs and the female rebate come from the income-tax engine; the retirement contribution assumes a basic of 60% of gross, set it to match your payslip. It does not capture every allowance, employer-side contribution, festival/dashain expense or remote-area adjustment, and is not an official assessment.
From gross salary to take-home pay
Three steps: annualise your gross, subtract the retirement contribution and the income tax it helps reduce, then divide back to a monthly figure.
Annual gross
Your monthly gross × 12. The employee retirement contribution (SSF 11% or EPF 10%) is then taken on basic salary.
Tax & deduction
The retirement contribution is tax-deductible up to the lesser of Rs 500,000 or one-third of assessable income; income tax is then computed on the IRD slabs.
Net pay
Net = gross − income tax − employee contribution. Dividing by 12 gives your monthly take-home pay.
Salary & take-home, answered
How is take-home salary calculated in Nepal?+
Start from your annual gross (monthly salary × 12). Subtract your employee retirement contribution (SSF 11% or EPF 10% of basic salary) and the income tax due on your assessable income. What remains is your net take-home pay, which this tool divides by 12 to show a monthly figure.
Is the SSF / EPF contribution deducted from tax?+
Yes, but with a cap. Contributions to an approved retirement fund (SSF or EPF) are tax-deductible up to the lesser of Rs 500,000 or one-third of your assessable income (in force since FY 2081/82). The calculator passes your contribution through this cap before computing tax, and still subtracts the full contribution from your take-home pay.
Is the retirement contribution on basic salary or gross salary?+
Legally, the SSF and EPF employee contributions are levied on BASIC salary, not gross. Because basic-versus-gross varies by employer, the calculator lets you set basic as a percentage of gross (a common Nepali structure is around 60%). Adjust it to match your payslip for an accurate figure.
What is the difference between SSF and EPF?+
Both are approved retirement schemes, but you contribute to one, not both. Under the Social Security Fund the employee contributes 11% of basic salary; under the Employees Provident Fund the employee contributes 10% of basic. Pick whichever your employer enrolls you in.
Does the 1% Social Security Tax apply to me?+
The first 1% band of the income-tax schedule is the Social Security Tax (SST). If you contribute to SSF or an approved retirement fund, that 1% is waived, toggle the SSF/approved-fund member switch on. If you contribute to neither, leave it off and the 1% applies.
Which fiscal year should I choose?+
FY 2082/83 (2025/26) uses the settled, enacted slabs. FY 2083/84 (2026/27) reflects the Finance Bill 2083 tabled with the budget, which doubled the exempt threshold to Rs 10 lakh and cut the top rate to 29%. Pick the year that matches the pay period you are calculating.
Sources & data note
As of FY 2082/83 (2025/26) and FY 2083/84 (2026/27). SSF employee contribution is 11% of basic salary and EPF is 10% of basic; SSF and EPF are mutually exclusive. The approved-retirement-fund tax deduction is capped at the lesser of Rs 500,000 or one-third of assessable income (in force since FY 2081/82). Income-tax slabs and rebates are taken from the income-tax engine. A guidance estimate, not an official IRD assessment.