Last updated: July 2026 (Shrawan 2083). All tools described are free on our SSF School portal — figures they produce are estimates, not official statements.

“SSF मा कति जान्छ? Pension कति आउँछ? Abroad बाट कति तिर्ने? SSF मलाई कत्तिको चाहिन्छ?” — you can answer every one of these in minutes, free, without creating an account. Our SSF School portal (ssf.digitalsolutionnepal.com) hosts six purpose-built SSF calculators and planning tools. This post is the tour: what each tool does, who it’s for, and how to combine them into an actual retirement plan.

Tool 1: Employee–Employer Contribution Calculator

For: every salaried contributor. Enter your basic salary → see your 11%, your employer’s 20%, and the total Rs figure landing in your account monthly. Use it when negotiating salary too — a higher basic (not just allowances) means a bigger employer match, as explained in the 31% breakdown.

Tool 2: 31% Contribution Breakdown

For: anyone asking “मेरो पैसा कहाँ जान्छ?” Your salary → scheme-by-scheme split (medical 1.20%, accident 0.80%, dependent 0.67%, old-age 28.33%) in rupees. The moment people see 28.33 points going to their own account, SSF skepticism usually dies.

Tool 3: SSF Financial Planner

For: retirement math. Salary, age, years of contribution → projected pot and monthly pension via the ÷160 formula. Re-run it at the new 3.20% interest rate if your last projection used the old one.

Tool 4: SIP Calculator

For: the “SSF कि share market?” debate. Compare a monthly SIP’s projected growth against SSF’s guaranteed structure — the honest takeaway is usually both: SSF as the protected floor, SIP for growth on top.

Tool 5: Foreign Employment Contribution Calculator

For: Nepalis abroad and their families. Shows the current minimum (~Rs 2,596/month) and what contributing above the minimum (up to 3×) does to your future pension — details in this series’ foreign-employment deep-dive.

Tool 6: Job Leaving Scenario Guide

For: anyone switching or leaving a job. Answers the two-pots question for your specific case: what’s claimable now (8.33%), what waits (20%), and what continuing versus withdrawing costs you.

Bonus: The 1-Minute SSF Assessment

10 simple questions — job, savings, family, risk — and you get a personal score: “You need SSF X/10.” No name or number required. If you’ve been forwarding SSF questions from relatives, send them this instead.

A 15-Minute Personal SSF Plan (Using the Tools)

1. Assessment → how much SSF matters for you (2 min)
2. Contribution Calculator → your real monthly number (2 min)
3. Breakdown tool → understand where it goes (2 min)
4. Financial Planner → pension projection; try 15 vs 25 contribution years and watch the difference (5 min)
5. SIP Calculator → decide what extra monthly amount goes to investments beyond SSF (4 min)

Then act: KYC complete? Statement gaps? Those two habits (KYC guide, statement check) protect everything the calculators promised.

FAQ

Are the SSF School calculators official?

They’re built by Digital Solution using SSF’s published rates and formulas — great for planning, but your SSF statement and ssf.gov.np remain the official record.

Do the tools need my personal data?

No login, no name, no SSN — you enter salary/age numbers and get results.

Is there a fee?

All tools and guides on ssf.digitalsolutionnepal.com are free. Paid help exists only if you want us to do the work (KYC, registration, claims support).

Disclaimer: Digital Solution Nepal is an independent educational/digital-service assistance website, not a government body. Calculator outputs are estimates — ssf.gov.np and your official statement are final.

Written by

Rabin Paudel

Rabin Paudel is the Founder of Digital Solution, a Content Creator, and an AI Trainer. He shares practical and easy-to-understand content on Artificial Intelligence, Digital Literacy, Online Services, FinTech, and Technology. His mission is to make technology simple, accessible, and useful for everyone.

View all posts by Rabin Paudel →