Nepal Retirement Planning
Retirement Corpus Calculator Nepal 2082/83 —
How Much Do You Actually Need?
Enter your details below. The calculator shows your target retirement corpus and two honest paths to reach it — based on verified Nepal return data, not agent projections.
Nepal 10-yr avg ≈ 6% (NRB). Range: 2–10%. Adjust for conservative/aggressive scenarios.
Target retirement corpus
Corpus = 25 × inflated annual expenses · 4% safe withdrawal rate
Endowment path
At 4% annual return — reflects verified Nepal endowment IRR of 3.6–4.1% (NIA audited data)
Equity / SIP path
At 8% annual return — CIT / mutual fund SIP or diversified equity (past returns not guaranteed)
What we recommend — independently
Life insurance in Nepal is not the primary vehicle for retirement corpus — endowment IRRs of 3.6–4.1% barely beat 6% inflation. Here's the honest allocation:
Term plan (low premium, high cover)
Protects your family now without locking up savings. NPR 25L cover costs approx. NPR 6,000–8,000/year for a 30-year-old.
CIT / mutual fund SIP (primary corpus builder)
Historically higher returns than endowment. Invest the premium difference here for retirement.
Endowment (optional, supplemental)
Guaranteed maturity payout + life cover + tax deduction benefit. Good if you value certainty over returns.
How this calculator works
Corpus target: We use the 4% safe withdrawal rule (25× annual expenses at retirement) as a widely cited benchmark. Nepal caveat: Bengen's rule was derived from US diversified-portfolio data (~5% real return). If your retired corpus sits in Nepal FDs (7–8% nominal) against 6% inflation, your real return is only ~1% — a 4% withdrawal may deplete the corpus in 20–25 years, not 30+. For a more conservative Nepal-adjusted target, use 3.3% withdrawal (30× annual expenses).
Inflation projection: Your today's monthly expenses are inflated to retirement age using your chosen rate. Nepal's 10-year average CPI inflation was approximately 6% (Source: Nepal Rastra Bank monetary policy data, FY 2071/72–2081/82).
Two savings paths: The endowment path (4%) reflects verified Nepal endowment plan IRRs of 3.6–4.1% (Source: NIA audited data). The equity/SIP path (8%) reflects historical returns of equity mutual funds / CIT — past returns do not guarantee future results.
Monthly savings are nominal: Both paths assume a constant monthly contribution in today's rupees. In practice, you should grow your savings as your income rises — the figures above are a starting benchmark, not a fixed amount for the full accumulation period.
Post-retirement period: Nepal average life expectancy at age 60 is approximately 17–18 additional years (Source: WHO 2024). The 30-year horizon used here provides a buffer beyond that — but pair it with the Nepal caveat above on real returns.
This calculator is for educational planning only. It is not financial advice. Consult a licensed financial planner for personalised recommendations.
Is Rs. 1 Crore Enough for Retirement in Nepal? (2082/83 Reality Check)
At a 4% withdrawal rate, Rs. 1 Crore provides NPR 33,333/month. But with Nepal's 6% inflation, NPR 50,000/month today becomes roughly NPR 1.6L/month in 30 years. Most urban Nepali households will need NPR 2.5–5 Crore to retire comfortably. Use the calculator above to find your number.
Term Plan vs Endowment for Retirement Planning in Nepal
Nepal endowment plans earn 3.6–4.1% IRR (NIA audited) — below the 6% inflation average, meaning your money loses real value. The smarter structure: a low-cost term plan to protect your family now, plus a CIT/SIP to build your retirement corpus at 8%+. Read our Term vs Endowment guide →
Your Rights When Buying Retirement Insurance in Nepal
Before signing an endowment policy, you have the right to see the illustrated IRR, surrender value at every year, and the agent's commission. Know your policyholder rights →
Want a licensed advisor to review your retirement plan?
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