Bikesh Tandukar
FY 2081/82 (2024–2025)In accordance with the Income Tax Act of Nepal & Finance Directives

Nepal Salary Tax & Insurance Rebate Calculator

Calculate your exact income tax liability, Social Security Fund (SSF) exemptions, and legal deductions for life and health insurance premiums.

Taxpayer Profile & Income

12 mos: NPR 1,200,000
NPR
Usually 1 mo salary
NPR
Max: Lower of 500k, 1/3 gross
NPR
Max Deduction: NPR 40,000
NPR
Max Deduction: NPR 20,000
NPR

Annual Tax Assessment

Effective Rate: 8.69%
Tax Relief via Insurance Deductions

Direct cash saved on your tax bill due to life and health insurance:

NPR 12,000
Annual Savings
Gross Annual Remuneration
NPR 1,300,000
Allowable Deductions
NPR 190,000
Net Taxable Income
NPR 1,110,000
Total Tax Liability
NPR 113,000
Approx. NPR 9,417 per month
Estimated Net Take-Home
NPR 88,083 / mo
Annual: NPR 1,057,000
Slab-by-Slab Calculation Schedule:
Tax Slab Tier
Rate
Tax Payable

• Slab 1 SST Exemption: SSF-enrolled employees enjoy 0% Social Security Tax on Slab 1.

• Insurance Allowances: Max NPR 40,000 for Life Insurance and NPR 20,000 for Health Insurance under Section 12 of the Income Tax Act.

• Retirement Contribution: Up to 1/3 of total salary, capped at NPR 500,000 for SSF or NPR 300,000 for EPF/CIT.

Professional Profile

Bikesh Tandukar

Executive — Learning & Development • Insurance Institute of Nepal (IIN)

LinkedIn ProfileEmail

I am based in Kathmandu, Nepal, serving as an Executive in Learning and Development at the Insurance Institute of Nepal (IIN).

My work concentrates on institutional human capital development, designing corporate training programs, and administering professional certification courses across Nepal's Banking, Financial Services, and Insurance (BFSI) sectors. I work with regulatory bodies, market practitioners, and academic institutions to strengthen industry standards and build organizational resilience.

Alongside corporate training, I conduct empirical financial research on technical and scale efficiency, operational productivity, and solvency within life insurance institutions in Nepal, with research publications indexed on NepJOL.

Primary Affiliation
Insurance Institute of Nepal
Executive — L&D
Research Discipline
Insurance Sector Efficiency
NepJOL Indexed Author
Headquarters & Reach
Kathmandu, Nepal
National BFSI Network
About this platform: Maintained independently on bikeshtandukar.com.np as a free, ad-free educational utility for salaried professionals and families in Nepal to evaluate their tax liabilities and understand the legal deductions available through insurance.