SSF Calculator Nepal | Employee 11% + Employer 20% Split
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Nepal SSF Calculator · FY 2082/83
Your SSF contribution is 31% of your basic salary.
11% comes out of your pay, 20% is added by your employer. Enter your basic monthly salary below to see the exact rupee split, plus where the money goes across Nepal’s four Social Security Fund schemes.
Based on the Contribution Based Social Security Act, 2074 and the current SSF contribution structure administered by the Social Security Fund, Government of Nepal.
Calculate your SSF
Figures update instantly as you type. SSF is assessed on basic salary only, not gross pay.
Basic salary exceeds the FY 2082/83 SSF ceiling of NPR 3,50,000. Contribution is calculated on NPR 3,50,000 only.
How it works
How SSF contribution is actually calculated
Three rules decide the number on your payslip. Get these right and the rest is arithmetic.
- Start from basic salary, not gross. Allowances, dearness allowance, travel, and bonuses are excluded. If your structure is 60% basic / 40% allowances, only the 60% portion counts.
- Apply 11% for the employee, 20% for the employer. The employee’s share is deducted directly from pay; the employer’s share is an added cost on top of salary — it never reduces take-home pay.
- Check the ceiling. For FY 2082/83 the maximum basic salary subject to SSF is NPR 3,50,000/month. Above that, contributions stop growing.
- Employer deposits within the deadline. Employers must deposit both shares to the SSF within 25 days of month-end (extended from 15 days under a 2082 amendment); late deposits attract interest.
Contribution rates
The full 31% breakdown
SSF replaced the old Employees’ Provident Fund (10% + 10% = 20%) with a wider 31% structure that also funds medical, accident and family-protection cover.
| Contribution heading | Employee | Employer | Total |
|---|---|---|---|
| Pension / Provident fund | 10% | 10% | 20% |
| Social security tax | 1% | — | 1% |
| Gratuity | — | 8.33% | 8.33% |
| Additional contribution | — | 1.67% | 1.67% |
| Total monthly contribution | 11% | 20% | 31% |
Separately, the employer’s 20% is pooled across four benefit schemes — Old Age Pension (17.33%), Medical, Health & Maternity (1.20%), Accident & Disability (0.80%) and Dependent Family Protection (0.67%) — per the current SSF scheme allocation. This is a different lens on the same 20%, not an additional charge.
Eligibility
Who has to join SSF?
Mandatory
- Employees of registered formal-sector private companies — cannot opt out once the employer is enrolled.
- Employers must register each new employee within 3 months of appointment.
- Newly appointed government employees from FY 2082/83 are enrolled under SSF instead of the traditional pension and gratuity scheme.
Voluntary
- Self-employed individuals and informal-sector or gig workers, via a separate contribution scheme (roughly 9.37% of income).
- Nepali workers going abroad for employment contribute at least 21.33% of the industrial minimum basic remuneration through a dedicated foreign-employment scheme.
Frequently asked
SSF questions, answered
What is the SSF contribution rate in Nepal for 2082/83?
Is SSF calculated on basic salary or gross salary?
Is there a maximum salary ceiling for SSF?
Can I opt out of SSF once my employer is registered?
How is SSF different from the old Provident Fund (EPF)?
Do freelancers and self-employed people need to join SSF?
Sources & references
- Contribution Based Social Security Act, 2074 (2017) — Government of Nepal.
- Social Security Regulations, 2075 and Social Security Scheme Operation Procedure, 2075.
- Social Security Fund, Ministry of Labour, Employment and Social Security — ssf.gov.np
