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Provident Fund Calculator

Project provident-fund style balances from contribution rate, salary and tenure — for Nepal PF/CIT-style planning conversations.

Estimates only — not professional financial, medical, legal or engineering advice. Read full disclaimer.

Result

Fill in the form and click Calculate to see your result here.

How it's calculated

Contributions accrue on the salary base and rate you enter; projected value may compound at the annual rate field when the handler includes it.

Example

Example: Provident Fund Calculator

Inputs

  • Scheme: nepal_pf
  • Basic Salary: 40000
  • Employee Rate: 10
  • Employer Rate: 10
  • Years: 10
  • Annual Interest: 6

Outputs

  • Employee Monthly: 4000
  • Employer Monthly: 4000
  • Monthly Contribution: 8000
  • Total Contributed: 960000
  • Estimated Corpus: 1317589.95

This example uses typical sample values. Adjust the inputs above to see how the results change for your own numbers.

About this calculator

Provident fund and similar retirement pots grow from employee + employer contributions plus declared interest. This calculator projects a balance from the salary and rate you enter so a new offer’s “we give PF” line has a number attached.

CIT, SSF, and PF are not interchangeable products. Use the scheme rules on your appointment letter. Interest is not guaranteed at last year’s rate.

Frequently Asked Questions

Nepal PF: 10% employee + 10% employer of monthly basic. Nepal SSF: 11% employee + 20% employer. Custom lets you type both percents. Handbook enrolment decides which is real — SSF is a broader social-security scheme, not a pure PF clone.
Monthly contribution = basic × (employee% + employer%) / 100. Future value uses the SIP-style annuity-due compound formula at the assumed annual interest converted to monthly, unless the rate is 0 (then just monthly × months). Interest is an assumption, not a guaranteed CIT/SSF declared rate.
No. Administrators publish official statements. This projects from the numbers you type.
That is the form default, not a statutory yield. Use the latest declared PF/CIT rate or a conservative assumption.
SSF covers multiple benefits. Treating the full 31% as a withdrawable PF-like pot overstates a cash lump sum. Read SSF rules.
Contributions in Nepal PF/SSF conversations are usually on basic (and specified allowances). Using CTC without checking the wage base inflates the projection.
Converted to months (rounded). Partial years are approximate.
The result splits both so you can see take-home vs company cost, then compounds the sum.
Not modelled. IRD treatment of PF/SSF withdrawals is outside this form.
Yes: same years and interest, switch PF vs SSF presets. Still confirm which scheme the employer actually runs.

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