SSF Calculator (Nepal)
Updated November 2026 · Free · No sign-up
Calculate Nepal’s SSF contributions — the 31% of basic salary (11% employee + 20% employer) and its split across medical, accident, dependent-family, and old-age schemes.
Quick answer: SSF = 31% of basic salary: 11% deducted from you + 20% from the employer — allocated ~1% medical/health, 1.4% accident/disability, 0.27% dependent family, and 28.33% to old-age security (the pension/retirement bulk).
The Scheme Split
| Scheme | Allocation | Covers |
|---|---|---|
| Medical/health & maternity | 1% | Treatment costs, maternity benefits |
| Accident & disability | 1.4% | Work-injury care, disability pensions |
| Dependent family | 0.27% | Survivor pensions/education |
| Old-age security | 28.33% | Pension from 60 (formula-based on contributions) or lump-sum paths per rules |
Worked Example
NPR 50,000 basic: you 5,500 + employer 10,000 = 15,500/month, of which ~14,165 builds old-age security. Twenty years → a substantial pension base under the fund’s payout formulas (pension ≈ total contributions ÷ 180 per the scheme’s design for lifetime payout).
Context
SSF enrollment (mandatory in phases since 2019) replaced the older PF+gratuity pattern for listed employers — transition credits map prior service. Foreign-employment workers and the informal sector have voluntary windows.
Member Notes
Verify monthly postings via the SSF portal; the old-age scheme’s pension-vs-lump-sum rules (and the 180-month divisor design) reward continuous contribution. Employers’ 11%-deducted-but-unremitted cases go to the fund’s enforcement — payslip vs portal is the audit. Dashain planning: the festival bonus rides on the same basic-salary base.
Frequently Asked Questions
What are Nepal’s SSF contribution rates?
31% of basic salary — 11% from the employee, 20% from the employer — split across medical, accident, dependent-family, and old-age schemes.
Where does the 31% go?
The bulk (28.33%) to old-age security (pension); ~2.67% funds medical/maternity, accident/disability, and dependent-family coverage.
When does the SSF pension start?
At 60, formula-based on accumulated contributions (the lifetime-payout divisor design) — with lump-sum paths per scheme rules for some cases.
Is SSF mandatory?
Yes for listed employers (phased since 2019) — replacing the old PF/gratuity pattern, with transition credit for prior service.
How do I check my SSF account?
The SSF portal/app lists postings — mismatches against payslip deductions go to fund enforcement.
✓ Formula verified • Last updated: November 3, 2026