Retirement Corpus Calculator Nepal 2082/83 —
How Much Do You Actually Need?
There's no state pension to fall back on for most of us — the years after you stop working are funded entirely by what you set aside before them. Enter your details and see your real target corpus, plus two honest paths to reach it, built on verified Nepal return data — not wishful projections.
SSF / CIT pension, rent, business or spouse's income you'll still receive after retiring. Subtracted from expenses first, so you only build a corpus for the gap.
Nepal 10-yr avg ≈ 6% (NRB). Range: 2–10%. Adjust for conservative/aggressive scenarios.
Target retirement corpus
Corpus = 25 × the annual expenses you self-fund (net of other income) · 4% safe withdrawal rate
Endowment path
At 4% annual return — reflects verified Nepal endowment IRR of 3.6–4.1%
Equity / SIP path
At 8% annual return — CIT / mutual fund SIP or diversified equity (past returns not guaranteed)
What we recommend
Life insurance in Nepal is not the primary vehicle for retirement corpus — endowment IRRs of 3.6–4.1% barely beat 6% inflation. One recommended 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).
Today's money vs future rupees: The headline corpus is shown in today's purchasing power (25× the annual expenses you self-fund now) so you can judge it against today's costs — a far more relatable figure than the inflated future amount, which we also show alongside.
Other retirement income: Pension (SSF / CIT), rental, business or a spouse's income you'll still receive in retirement is subtracted from your expenses first — you only build a corpus for the remaining gap. We assume that income roughly keeps pace with inflation; a fixed, un-indexed pension will cover less over time, so enter it as its present-day value.
Two savings paths: The endowment path (4%) reflects verified Nepal endowment plan IRRs of 3.6–4.1%. 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.
Retirement planning in Nepal — FAQ
The honest answers behind the numbers above — corpus targets, inflation, and where life insurance actually fits.
How much retirement corpus do I need in Nepal?
Use the 25× rule: target corpus = annual expenses × 25. In today's money it is simple — NPR 50,000/month of expenses (NPR 6L/year) needs about NPR 1.5 Crore (6L × 25). Inflation means you will actually withdraw far more decades from now: at 6% over 30 years that same lifestyle costs about NPR 2.9L/month, putting the nominal target near NPR 8.6 Crore. Nepal caveat: if your corpus sits in fixed deposits (7–8% nominal vs 6% inflation), a 4% withdrawal rate may deplete funds in 20–25 years — use 3.3% (30×) for a more conservative target.
Is Rs. 1 Crore enough for retirement in Nepal?
At a 4% withdrawal rate, Rs. 1 Crore provides about NPR 33,000/month in its first year — but that does not keep pace with inflation. A household spending NPR 50,000/month today needs roughly NPR 1.6L/month if it retires in 20 years, or about NPR 2.9L/month in 30 years, at Nepal's 6% inflation. In today's money most urban households need a corpus of about NPR 1.5–3 Crore (25× current annual expenses) — several times that in the future rupees you will actually withdraw. So Rs. 1 Crore alone is rarely enough for a 25–30 year retirement.
Should I use endowment insurance or SIP / CIT for retirement in Nepal?
Nepal endowment plans deliver 3.6–4.1% IRR (verified data) against a 6% inflation average — the real return is negative. CIT / equity mutual funds have historically delivered 8%+ nominal returns. The data supports: buy a term plan for family protection (low premium), then direct the premium difference into CIT / SIP for your retirement corpus. Endowment is supplemental, not primary.
What is the Nepal 10-year inflation rate for retirement planning?
Nepal's 10-year average CPI inflation (FY 2071/72–2081/82) was approximately 6%, sourced from Nepal Rastra Bank monetary policy data. This calculator defaults to 6% but lets you model anywhere between 2% and 10% for conservative or aggressive scenarios.
What are my rights when buying retirement insurance in Nepal?
Before signing an endowment policy you have the right to see the illustrated IRR, the surrender value at every policy year, and the agent's commission. Ask for all three in writing before you commit — an honest advisor will share them without hesitation.
Want our team to review your retirement plan?
Our team can help you think through cover and savings structure — entirely at your pace.