Thinking about your life after work shouldn’t be stressful or confusing. Whether you are just starting your career or are only a few years away from stepping back, mapping out your financial future is crucial. With our Retirement Planning Calculator, you can easily project the exact corpus you’ll need to maintain your lifestyle comfortably. This intuitive Retirement Calculator takes all the guesswork out of your long-term goals, showing you exactly how much you need to invest today to enjoy a secure tomorrow.
Retirement Planning Calculator Nepal
Illustrative accumulation and withdrawal projections with adjustable assumptions
Enter the retirement age that applies to your own plan or employment terms.
Choose a planning age for the period you want the projection to cover.
Include EPF/CIT/SSF balance, FD, mutual funds, etc.
Use hypothetical rates and compare multiple scenarios. Actual returns vary.
Use a hypothetical rate appropriate to the scenario you want to model.
Inflation changes over time. Review current NRB data and test several assumptions.
The model projects this expense to retirement using the inflation assumption.
📊 Two-Phase Retirement Plan
📅 Life Timeline
| Age | Opening (रू) | Saved/Withdrawn (रू) | Projected Growth (रू) | Closing (रू) |
|---|---|---|---|---|
| Click Calculate to see your retirement plan | ||||
📖 Nepal Retirement Planning Guide
- EPF (Employee Provident Fund): The regular contribution scheme states a 10% employee contribution with a matching employer contribution. Check current EPF rules for eligibility, withdrawal, interest, and benefits.
- CIT (Citizen Investment Trust): CIT offers multiple schemes with scheme-specific rates and terms that can change. Check the official CIT website for current details.
- SSF (Social Security Fund): Formal-sector contribution rules commonly use 31% of basic remuneration: 11% from the employee and 20% from the employer. Verify current coverage, allocation, and benefit rules with SSF.
- Retirement age: Retirement rules differ by employer, occupation, and applicable law. Enter the age relevant to your own plan.
- Inflation: Inflation varies over time. Review current Nepal Rastra Bank data and compare several hypothetical inflation assumptions.
- Tax: Tax treatment and deduction limits can change and depend on eligibility and current law. This calculator does not estimate tax.
- Expense coverage: The calculator estimates a corpus for inflation-adjusted expenses over the selected retirement period using the assumed retirement-phase return.
⚠️ Illustrative projection only. Results depend on the inputs and assumptions selected and do not guarantee retirement income, investment returns, tax treatment, or corpus sufficiency. Verify current rules with the relevant official institutions and consider independent professional advice.
How to use the Retirement Planning Calculator
Planning for your retirement in Nepal requires factoring in inflation, expected returns, and your current savings, like EPF or SSF. For detailed projections, our calculator for retirement planning helps create your personalized retirement roadmap.
Step 1: Enter Your Age Details
At first, you need to set your current age, retirement age (the age when you will retire) and life expectancy. So, here’s the breakdown, and as you proceed, using a Retirement Calculator for planning purposes will provide increased accuracy.
- Current Age: Enter or use the scroll bar to set your current age or that of the person (if you are calculating this for someone)
- Retirement Age: Now you have to enter the age you plan to stop working. For reference, Nepal’s civil service retirement age is typically 58, while private sector employees usually retire between 55 and 65. So, set as per your job nature.
- Life Expectancy: How long you expect to need your retirement funds. While Nepal’s average life expectancy is around 71 years, it is safer to plan for 80 or 85 to ensure you don’t outlive your corpus.
Step 2: Input Your Financial Contributions
After filling out your age details, it’s time to set a discipline to make it successful planning. Using a Calculator designed for Retirement Planning ensures you consider all factors for your financial future.
- Monthly Savings / Investment (NPR): Now enter the monthly amount you are planning to put/invest away each month. This includes SIPs, recurring deposits, or direct stock market investments.
- Current Savings / EPF Balance (NPR): Your starting point. Combine the current balance of your Employees’ Provident Fund (EPF), Citizen Investment Trust (CIT), Social Security Fund (SSF), fixed deposits, and any other retirement-focused savings. Here you can enter all the savings you have made as of now, including the total current balance in your RF, EPF, SSF, or any other.
Step 3: Estimate Your Returns
- Return During Savings Phase: The annual interest or return you expect while you are still working. If you are heavily invested in the NEPSE or equity mutual funds, you might aim for 10–18%. If you prefer the safety of FDs, 7–10% is more realistic. So set the expected returns based on your current investment plan and make the most of the Retirement Planning Calculator tool for more precise results.
- Return During Retirement Phase: Once you retire, you should move your money into safer, more conservative investments. A return of 6–8% (like standard fixed deposits or government bonds) is a safe baseline here.
Step 4: Factor in Inflation and Expenses
- Expected Inflation Rate: As you know, inflation eats the purchasing power of money. So, you have to enter the current average inflation rate of our country, which hovers around 6–8%. I recommend leaving this at 7% for a realistic calculation using any Retirement Calculator platform.
- Current Monthly Expenses (NPR): How much money do you need to live comfortably today? Do not try to guess what things will cost in 30 years—the calculator will automatically adjust this number for inflation!
Step 5: Calculate Your Future. Hit the Calculate Retirement Plan button. The tool will instantly show you how much money you need to have saved by your retirement age (your Retirement Corpus) and whether your current savings plan will get you there. Besides, this Retirement Calculator for planning your future will help you check your overall status for the years after you stop working.
That’s all.
Now this Retirement Planning Calculator shows the complete details of your planning with a proper breakdown. It shows the projected corpus with a proper breakdown to give a clear idea based on the information and details provided by you for your future.
“These are estimates only. Consult a SEBON-registered advisor before investing.”