Citizen Investment Trust — a government-sponsored voluntary retirement savings scheme (nctf.gov.np). Your contributions earn interest and are tax-deductible up to the retirement cap.

How is the tax deduction capped?

PF + SSF + CIT contributions together are deductible up to NPR 500,000 or one-third of assessable income (whichever is lower). Our tool uses the Rs 500k cap for simplicity.

Does CIT contribution grow tax-free?

Growth within CIT is tax-deferred during the scheme. The payout at maturity may be subject to tax depending on the scheme type — confirm with your CIT branch.

Citizen Investment Trust (CIT) Calculator

नागरिक लगानी कोष (CIT) क्यालकुलेटर

दाइ तयार गर्दैछ… Getting your tool ready

About this tool

Citizen Investment Trust (CIT) Calculator

Pick a CIT monthly contribution and see projected corpus, tax deduction and effective tax saving.

Model your voluntary CIT contribution. Shows the projected retirement corpus at your chosen rate, the tax deduction available (combined cap of ~NPR 500,000/year with SSF/PF), and the implied annual tax saving at your marginal rate.

Category: HR & Payroll
Where it runs: Your browser
Version: v1.0.0
Price: Free · no sign-up

How to use

Step by step

1
Pick a monthly contribution
Any voluntary amount. Many choose Rs 10k–Rs 25k.
2
Add your existing PF/SSF annual contribution
The retirement deduction cap is shared across PF, SSF and CIT.
3
Pick an expected CIT rate
CIT returns are commonly 8–10% per year.
4
Set your marginal tax rate
Use the rate at which your top income is taxed — 10, 20, 30 or 36%.

Frequently asked

Questions

Citizen Investment Trust — a government-sponsored voluntary retirement savings scheme (nctf.gov.np). Your contributions earn interest and are tax-deductible up to the retirement cap.