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.