CTC Calculator Nepal — what's between CTC, gross and take-home
CTC क्यालकुलेटर — ग्रॉस तलब र CTC मा के फरक हुन्छ
Understand and calculate CTC (cost to company) in Nepal — the employer's view of your salary: gross pay, the 20% employer SSF share, gratuity and what remains as take-home.
SSF employer share is statutory for registered employers (FY 2083/84 settings loaded). Your own letter/payroll is the final authority.
About CTC Calculator
CTC (Cost to Company) is what an employer spends on you in total — not what you receive. In Nepal the difference between CTC, gross and net comes mostly from the employer's Social Security Fund share: by law the employer deposits 20% of basic salary to SSF on top of the salary you negotiate.
This tool walks both directions: from your gross salary to a realistic CTC, and from a CTC quoted in a job offer back down to your expected take-home — using the same SSF and tax settings as our other salary tools.
How to use — step by step
- Enter the gross monthly salary from your offer or letter.
- Enter the basic monthly salary — the employer SSF share (20%) is charged on basic.
- Add monthly benefits your employer provides (insurance premium, phone, travel allowance) if any — these count toward CTC.
- Choose whether your employer is SSF-registered (20% share) or contributes other schemes.
- Read the monthly and annual CTC, gross and estimated take-home breakdown.
Worked example — gross Rs 80,000, basic Rs 45,000, no extra benefits
| Gross salary | Rs 80,000 /month | what appears in your letter |
| Employer SSF share (20% × basic) | Rs 9,000 /month | deposited to SSF, not to you |
| CTC (per month) | Rs 89,000 | gross + employer share |
| CTC (annual) | Rs 10,68,000 | what the employer budgets |
| Your take-home | ≈ Rs 67,500 | after SSF 11%, CIT, TDS |
Frequently asked questions
QWhat is the difference between CTC and gross salary in Nepal?
Gross salary is your pay before deductions; CTC adds the employer's obligations on top — mainly the 20% SSF employer share, plus benefits like insurance or allowance your employer budgets. So CTC is always higher than gross, and take-home is always lower than gross.
QHow much is the employer SSF contribution?
The Social Security Fund contribution structure puts a 20% employer share (deposited from the employer's side) alongside the employee's 11% on basic salary, per SSF rules. Check your SSF card or employer HR for your actual scheme — some organizations predate SSF with provident fund routes.
QShould I care about CTC when comparing job offers?
Yes — but compare take-home, not CTC. Two offers with equal CTC can pay different take-home if one pays a high basic (more SSF both sides) or counts big non-cash benefits. Use this tool with our salary calculator for the net figure both ways.
QIs gratuity included in CTC?
Only if your employer actually provisions for it — gratuity is a statutory benefit that accrues after one full year of service per the Labour Act. If your letter lists a 'gratuity reserve' line, include it in the benefits field; otherwise leave it out.
Data note: Uses the same configured FY 2083/84 SSF settings as our salary tools. Employer structure varies by organization — gratuity and benefits are entered by you, and your appointment letter is final.