How Much SSF Pension Will You Get? With Real Examples
How much monthly pension at 60? A simple explanation of the ÷160 formula, the 180-month rule, and examples across different salaries and durations.
The pension formula
Monthly pension = (pension-account balance + investment returns) ÷ 160. It is paid for life once you reach 60. Eligibility needs at least 180 months (15 years) of contribution.
| Pension balance (with returns) | Monthly pension (÷160) |
|---|---|
| Rs 800,000 | Rs 5,000 |
| Rs 1,600,000 | Rs 10,000 |
| Rs 3,200,000 | Rs 20,000 |
| Rs 4,800,000 | Rs 30,000 |
The longer, the larger
The pension fund grows through compounding — the longer you contribute and the higher your salary, the bigger the pension. Starting late pushes the 180-month eligibility further away, so starting early pays off.
💡 Enter your salary, age, and return rate in the SSF Financial Planner to see your pension at 60 — a preliminary estimate; the final figure is set by SSF.
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Educational content; official rules and figures follow SSF and the Government of Nepal.