How the EPF projection works
Enter basic monthly salary, contribution rates, current balance and years remaining. The default combines 10% from the employee and an equal 10% from the employer. Salary growth increases future monthly contributions once per year.
EPF contribution and return
| Component | Default used |
|---|---|
| Employee contribution | 10% |
| Employer contribution | 10% |
| Published provident-fund interest | 4.25% annually |
EPF says interest is calculated monthly and credited annually. The model uses equivalent monthly compounding and end-of-month deposits; the official statement can differ because of deposit dates, rounding and profit allocation.
Sources and disclaimer
Reviewed 21 June 2026 using EPF's official regular contribution guidance and published interest rates. This is a planning estimate, not an EPF statement, withdrawal quote or benefit decision.
Frequently asked questions
How much is contributed to EPF in Nepal?
The standard regular contribution is 10% deducted from the employee's monthly salary plus an equal 10% added by the employer, giving a combined 20%. Confirm the payroll base used by your employer.
What EPF interest rate does this calculator use?
It starts with the official published provident-fund interest rate of 4.25% viewed in June 2026. The rate is editable because future rates change.
Does the estimate include EPF profit allocation?
No guaranteed extra profit is assumed. EPF reported an additional 1% allocation for FY 2082/83, but future allocations are not certain, so users can adjust the expected return themselves.
Is this the balance shown in my EPF account?
No. It is a projection based on your inputs. Use the official EPF individual portal or statement for the recorded balance and credited return.