Nepal Salary Tax Calculator 2082/83: Single vs Married Comparison
If you earn a salary in Nepal, one click can now tell you exactly how much income tax you owe this fiscal year — and whether filing as Single or Married actually saves you money. This guide walks through the FY 2082/83 slabs from the Inland Revenue Department (IRD), then hands you a free interactive calculator to run your own numbers instantly.
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How the calculator works
The tool below takes your annual gross salary, subtracts your retirement contribution and any insurance premiums, then runs the result through both the Single and Married slab structures at the same time. You get two complete tax pictures side by side instead of calculating each one by hand.
Once you have a result, you can save it as a named scenario — "Current job", "After promotion", "New offer" — and build up a small comparison table right inside the page. Nothing is uploaded anywhere; every number stays inside your own browser.
What changed in FY 2082/83
The government widened the bottom slab for married couples and kept the top rate unchanged at 36% for income above Rs 20 lakh. In practical terms, a married couple's first Rs 6 lakh is taxed at just 1%, compared to Rs 5 lakh for a single filer — a difference that quietly saves a few thousand rupees a year for most salaried employees once it works through the higher slabs as well.
| Income band | Single | Married |
|---|---|---|
| Up to first | Rs 5 Lakh — 1% | Rs 6 Lakh — 1% |
| Next Rs 2 Lakh | 10% | 10% |
| Next Rs 3 Lakh | 20% | 20% |
| Rs 10–20 Lakh | 30% | 30% |
| Above Rs 20 Lakh | 36% | |
Try the calculator
Enter your own gross salary and retirement contribution below to see your personal Single vs Married comparison, complete with monthly TDS, effective tax rate, and take-home pay.
Salary Tax Ledger — Single & Married
Enter your gross salary once, see both filing statuses side by side, then stash the result in your Scenario Lab to compare what-ifs.
▸ Advanced deductions & rebates (insurance, custom rebate %)
RESULT — FY 2082/83
Scenario Lab — compare your what-ifs
IRD Tax Slabs 2082/83 — Single vs Married
| Income band | Single | Married |
|---|---|---|
| Up to first | 5 Lakh — 1% | 6 Lakh — 1% |
| Next 2 Lakh | 10% | 10% |
| Next 3 Lakh | 20% | 20% |
| 10 – 20 Lakh | 30% | 30% |
| Above 20 Lakh | 36% | |
Why does Married pay less? The 1% band extends an extra Rs 1 Lakh for couples filing jointly, and the 30% band absorbs a slightly wider slice — together that's usually a few thousand rupees of annual saving over Single status at the same income.
Frequently asked
Is the retirement deduction really capped at Rs 5 Lakh?
This tool caps it at Rs 5,00,000 by default, but the actual cap and formula (sometimes the lower of a fixed amount or one-third of assessable income) has changed across fiscal years — always confirm the figure in force for 2082/83 with IRD or your payroll office before filing.
What should I put in "Custom rebate %"?
Use it for anything that reduces your final tax bill by a percentage rather than a flat amount — remote-area allowance, disability rebate, or senior-citizen rebate are common examples. Leave it at 0 if none apply.
Does the Scenario Lab save my data anywhere online?
No — everything is stored only in your own browser (localStorage). Nothing is sent to a server, so it disappears if you clear browsing data on this device.
Why is my Monthly TDS not exactly Annual Tax ÷ 12?
Employers usually estimate TDS monthly from the annual figure and true it up in the final month, so small rounding differences of a few rupees are normal.
Worked example: Rs 10,00,000 annual salary
Numbers make more sense with a real example. Take someone earning Rs 10,00,000 a year who contributes Rs 1,00,000 to a provident fund and citizen investment trust. After that retirement deduction, their taxable income is Rs 9,00,000.
Run that Rs 9,00,000 through both slab structures and the single filer owes Rs 65,000 in annual tax, while the married filer owes Rs 46,000 — a difference of Rs 19,000 for the year, or roughly Rs 1,583 extra in every single month's take-home pay simply from filing status.
The slab ladder, visualised
It helps to see the bands stacked next to each other rather than as a list. The image below lines up the Single and Married ladders so you can see exactly where each percentage kicks in and where the two structures start to match again.
Why Married status usually pays less
The tax code treats a married couple's first block of income as a shared household expense rather than a single person's discretionary income, so it extends the lowest 1% band by an extra Rs 1 lakh. Because Nepal's system is progressive — meaning each slab only taxes the portion of income that falls inside it — that extra room at the bottom band reduces tax at every income level above it too, not just for people earning exactly Rs 5–6 lakh.
In short: the saving isn't a fixed number. It scales gently with your income, which is exactly why comparing both statuses on your own real salary, rather than relying on a rule of thumb, is worth the thirty seconds it takes.
Deductions and rebates explained
Retirement contribution (PF + CIT)
Provident Fund and Citizen Investment Trust contributions reduce your taxable income before any slab is applied. The calculator above caps this deduction at Rs 5,00,000 by default, but the exact cap and formula has shifted between fiscal years, so it's worth confirming the current figure with your payroll office or a tax advisor before you file.
Life and health insurance premiums
Premiums paid on qualifying life insurance and health or medical insurance policies are commonly deductible as well, each subject to its own annual ceiling. Add these under "Advanced deductions" in the calculator to see how they shift your final number.
Custom rebate percentage
Certain employees — those working in remote areas, disabled employees, or senior citizens, for example — qualify for an additional percentage rebate on their final tax bill. Because these rates vary by category, the calculator leaves this as an open field so you can enter whatever percentage applies to your own situation.
Frequently asked questions
Is this calculator officially affiliated with IRD Nepal?
No. This is an independent planning tool built around the publicly available Finance Act 2082/83 slab structure. Always cross-check your final figures with IRD Nepal or a licensed tax professional before filing.
Does filing as Married always save money?
In almost every case at the same income level, yes — because the married slab structure is never less generous than the single one at any point on the ladder. The size of the saving simply grows a little as income rises, as shown in the worked example above.
Where is my data stored when I use the calculator?
Entirely inside your own browser. The tool does not send your salary, deductions, or saved scenarios to any server, so nothing is retained once you close the tab unless your browser's local storage is cleared.
Why does my monthly TDS not exactly equal annual tax divided by twelve?
Employers typically estimate monthly TDS from the annual projection and true up any small difference in the final month of the fiscal year, so a rupee or two of rounding difference between the two figures is completely normal.
Disclaimer: This article and calculator are for general planning purposes only and do not constitute tax, legal, or financial advice. Slab rates, deduction caps, and rebate percentages are based on the Finance Act 2082/83 as commonly published and may be revised; always verify current figures with IRD Nepal or a qualified tax professional before filing your return.
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