How much gross do I need for the take-home I want?
For FY 2083/84, with basic pay at 60% of gross and a full twelve months worked: NPR 50,000 in hand needs about NPR 50,506 gross, NPR 1,00,000 in hand needs about NPR 1,02,778, and NPR 1,50,000 in hand needs about NPR 1,62,500 — before any retirement fund. The full table is below.
Monthly gross salary needed, by take-home target
Nepal, FY 2083/84 · unmarried · 12 months · basic pay at 60% of gross
| You want in hand | No retirement fund | Social Security Fund (11%) | Provident Fund (10%) |
|---|---|---|---|
| Rs 25,000 | Rs 25,253 | Rs 26,767 | Rs 26,865 |
| Rs 30,000 | Rs 30,304 | Rs 32,120 | Rs 32,238 |
| Rs 40,000 | Rs 40,405 | Rs 42,827 | Rs 42,984 |
| Rs 50,000 | Rs 50,506 | Rs 53,534 | Rs 53,729 |
| Rs 60,000 | Rs 60,607 | Rs 64,240 | Rs 64,475 |
| Rs 75,000 | Rs 75,758 | Rs 80,300 | Rs 80,594 |
| Rs 1,00,000 | Rs 1,02,778 | Rs 1,09,050 | Rs 1,09,339 |
| Rs 1,25,000 | Rs 1,31,250 | Rs 1,39,410 | Rs 1,39,628 |
| Rs 1,50,000 | Rs 1,62,500 | Rs 1,72,868 | Rs 1,72,873 |
| Rs 2,00,000 | Rs 2,26,599 | Rs 2,42,770 | Rs 2,41,062 |
| Rs 3,00,000 | Rs 3,64,437 | Rs 4,03,535 | Rs 3,89,926 |
| Rs 5,00,000 | Rs 6,46,127 | Rs 7,10,752 | Rs 7,06,081 |
All figures in Nepali rupees per month. The PF and SSF columns are higher because 10% and 11% of basic pay move into a retirement balance held in your name — deducted from the payslip, but not spent.
Read the row for the cash you need, then the column for your fund. The gap between the two figures is not all tax: for a PF or SSF member most of it is the contribution moving into a balance held in your own name. That is why the fund columns look expensive and are not.
How the take-home to gross calculation works
You cannot multiply a take-home by a fixed number to get the gross. Nepal taxes income in bands and caps every relief, so the deduction rate changes as the salary moves. The only dependable method is to solve backwards — try a gross, compute the take-home it produces, and narrow in until the two match.
Start from the number you actually need
Write down the cash you need reaching your bank account each month — rent, EMIs, savings and living costs. That is the take-home, not the salary in the offer letter.
Pick the fiscal year and your retirement fund
FY 2083/84 applies from Shrawan 1, 2083. Then choose none, Provident Fund or Social Security Fund — your own contribution leaves the payslip too, so it changes the gross you need.
Set basic pay as a share of gross
PF and SSF are calculated on basic salary, not on gross. Most Nepali offers set basic at 50–60% of gross; the tool defaults to 60%. Ask the employer what their split is.
Add the relief you already pay for
Life insurance up to NPR 40,000 a year, health insurance up to NPR 20,000, and any CIT contribution. Each one lowers the tax, and therefore lowers the gross you need to ask for.
Quote the gross, and check the annual figure
The tool returns the monthly gross that lands exactly on your target, plus the annual package and what it costs the employer. Negotiate on the annual figure — that is the number an employer budgets.
Under the bonnet the tool runs the same engine as the main salary tax calculator inside a binary search. Take-home always rises with gross, so the search is guaranteed to converge — and it keeps working when a band edge, the NPR 5,00,000 retirement ceiling or the SSF contribution-base ceiling lands in the middle of the range, which is exactly where a simple formula breaks.
Gross salary, take-home and CTC — the difference
Gross is what the employer agrees to pay you. Take-home is what survives income tax and your own PF/SSF contribution and reaches your bank account. CTC adds the employer's own contribution on top of gross, so it is the largest of the three and the one that flatters an offer the most.
| Gross salarythe offer-letter figure | NPR 1,09,050 / month |
|---|---|
| Less income tax (TDS)withheld and deposited with the IRD in your name | − NPR 1,852 / month |
| Less your own SSF contributionleaves the payslip, stays your money | − NPR 7,197 / month |
| Take-homewhat actually reaches the bank account | NPR 1,00,000 / month |
Three numbers, three different purposes. Compare offers on take-home, budget your life on take-home, but negotiate on gross — because gross is the only one of the three an employer will write into a contract.
What changes the gross you need
Six things move the answer: the fiscal year, your retirement fund, the basic-pay share, your gender (a resident woman gets a 10% rebate on the tax), the insurance and CIT relief you claim, and how many months of the year you are actually paid for.
- Retirement fund. No fund at NPR 1,00,000 in hand needs NPR 1,02,778; the same take-home under SSF needs NPR 1,09,050. Most of that difference goes into your own balance, not into tax.
- Basic-pay share. PF and SSF run on basic, not on gross. A higher basic means a bigger contribution out of the payslip and a higher gross needed — with more building up for you.
- The 10% rebate for women. Applied to the tax computed, so a resident woman lands the same take-home on a slightly smaller gross.
- Insurance and CIT. Up to NPR 40,000 of life premium, NPR 20,000 of health premium and your CIT contribution come off taxable income, so the tax falls and the gross needed falls with it.
- Months worked. Joining mid-year means fewer months of income assessed, a lower band reached, and a lower effective rate. Set the months in the main calculator.
- Fiscal year. FY 2083/84 widened the 1% band to NPR 10,00,000 and cut the top rate to 29%, so the same take-home needs a smaller gross than it did under FY 2082/83. The slab tables show all three years.
Does SSF or PF need a bigger gross?
On ordinary salaries, SSF needs a slightly smallergross than PF for the same take-home, even though the employee contributes 11% instead of 10% — because SSF members do not pay the 1% Social Security Tax band, and the employer's larger 20% contribution is deductible relief. The order reverses on high salaries.
| NPR 1,00,000 in hand — SSF | NPR 1,09,050 |
|---|---|
| NPR 1,00,000 in hand — PF | NPR 1,09,339 |
| NPR 3,00,000 in hand — SSFthe order has flipped by here | NPR 4,03,535 |
| NPR 3,00,000 in hand — PF | NPR 3,89,926 |
Two ceilings cause the flip. SSF contributions are calculated on a base capped at NPR 3,50,000 a month, and PF plus SSF plus CIT share a single relief ceiling of NPR 5,00,000 a year. Above that ceiling the employer's contribution stays in your assessable income without a matching deduction, and SSF's larger employer share turns from an advantage into a tax cost. The guide walks through both ceilings in detail.
Using the number in a salary negotiation
Ask for the gross, never the in-hand. An employer budgets, approves and contracts in gross — quoting a take-home figure just hands the conversion, and the risk of getting it wrong, to someone else.
- Quote the annual package. Twelve times the monthly gross is the number that goes to a hiring budget.
- Ask what basic will be. The same gross with a higher basic means a larger PF/SSF contribution — less cash now, more saved.
- Ask which fund the company runs. PF, SSF or neither changes your in-hand on an identical gross.
- Check whether the figure includes the bonus. A festival bonus quoted inside the annual package is taxed at your top band in the month it is paid.
- Put two offers side by side. The comparison tool shows the real difference after tax, which is rarely the difference in gross.
Questions people ask
How much gross salary do I need to take home NPR 1,00,000 a month in Nepal?
Under FY 2083/84 rules you need a gross salary of about NPR 1,02,778 a month if you contribute to no retirement fund, NPR 1,09,050 as an SSF member, or NPR 1,09,339 as a PF member, with basic pay at 60% of gross. The fund members need more only because part of their gross is redirected into their own retirement balance — that money is not lost, it just does not arrive as cash.
What is the difference between gross salary and take-home salary in Nepal?
Gross salary is the full amount the employer agrees to pay you before any deduction — it is the figure quoted in the offer letter. Take-home is what reaches your bank account after income tax (withheld monthly as TDS) and after your own PF or SSF contribution has been deducted. The employer's contribution sits outside both: it never appears in your gross, but it is added to your assessable income for tax and then relieved again.
How do I convert take-home salary to gross salary?
There is no single multiplier, because Nepal's tax is applied in bands and the reliefs have ceilings. The reliable method is to solve it backwards: try a gross figure, work out the tax and the fund contribution, see what take-home it produces, and adjust until it matches the target. That is exactly what this calculator does, and it re-solves every time you change the fiscal year, the fund or the basic-pay share.
Is the salary in a Nepali offer letter gross or take-home?
Almost always gross, and sometimes CTC (cost to company), which is larger still because it includes the employer's own PF or SSF contribution. Before you accept, ask for all three numbers in writing: gross per month, the deductions, and the expected in-hand. A gap of several thousand rupees between gross and in-hand is normal, not a mistake.
Does SSF need a higher gross salary than PF for the same take-home?
Not on ordinary salaries. Although an SSF member contributes 11% of basic against a PF member's 10%, SSF members do not pay the 1% Social Security Tax band and the employer's larger 20% contribution is deductible relief. At NPR 1,00,000 in hand the SSF gross is NPR 1,09,050 against NPR 1,09,339 for PF. It flips on high salaries — by NPR 3,00,000 in hand the SSF member needs NPR 4,03,535 against NPR 3,89,926 for PF, because the NPR 5,00,000 relief ceiling and the SSF contribution-base ceiling both bite.
Does the basic salary percentage change the gross I need?
Yes, if you are in PF or SSF. Both are calculated on basic pay, so a higher basic means a bigger contribution leaving your payslip and a higher gross needed to keep the same cash in hand. It also means more money building up in your retirement balance. If you have no retirement fund, the basic split makes no difference to your tax or your take-home.
Do women need a lower gross salary for the same take-home in Nepal?
Slightly, yes. A resident woman whose income is employment income gets a 10% rebate on the tax computed, so less tax is withheld and a smaller gross lands on the same take-home. The rebate applies to the tax figure, not to income, so the saving is largest where the tax bill is largest.
Can insurance or CIT lower the gross salary I need to ask for?
Yes. A life insurance premium (relief up to NPR 40,000 a year), a health insurance premium (up to NPR 20,000) and a CIT contribution all reduce taxable income, so less tax is withheld and the same take-home needs a smaller gross. Declare them to payroll — an undeclared premium saves you nothing during the year.
More on the rules behind these answers in the full FAQ.
Sources and how these figures are produced
Every number on this page — the table, the examples and the answers — is computed at build time by the same tax engine the calculator runs in your browser, under the Income Tax Act 2058 and the Finance Act for the selected year. Last reviewed on 3 August 2026.
- Inland Revenue Department, Nepal
The primary authority for income tax rates, TDS obligations and filing.
- Income Tax Act 2058 (2002)
The statute behind assessable income, the §63 reliefs and the retirement contribution ceiling.
- Social Security Fund
Contribution rates, the base ceiling and employer registration for the SSF.
- Citizen Investment Trust
The CIT scheme itself: how to join and what the contribution buys.