How much pension will I get from my savings?

Your pension depends on your corpus size and withdrawal rate. A Rs. 30M corpus with 4% withdrawal gives Rs. 100,000/month. Use the 4% rule as a starting point, adjusted for Sri Lanka's higher inflation.

What is a sustainable withdrawal rate?

The 4% rule suggests withdrawing 4% of your corpus annually to make it last 30 years. For Sri Lanka's higher inflation, consider 3-3.5%. A Rs. 30M corpus at 3.5% gives Rs. 87,500/month.

How do I calculate my retirement corpus?

Use compound interest: FV = PV(1+r)^n + PMT×((1+r)^n-1)/r. Or use this calculator - enter your current savings, monthly contribution, expected return, and years to retirement.

What return rate should I assume for retirement planning?

Before retirement: 8-12% (mix of equity and fixed income). After retirement: 5-7% (conservative, mostly fixed income). Always plan for multiple scenarios.

Should I include EPF in pension calculations?

Yes, EPF is a significant retirement asset. At retirement, you receive your accumulated balance. Add this to your other savings to calculate total corpus. EPF typically earns 9-12% annually.

How does inflation affect my pension?

Inflation erodes purchasing power. Rs. 100,000/month today may only buy Rs. 50,000 worth in 15 years at 5% inflation. Plan for increasing withdrawals or a larger corpus to maintain lifestyle.

Pension Calculator

See if you are on track for a comfortable retirement.

Profile

Current age

Retirement age

Current retirement savings (Rs.)

Contributions & Returns

Monthly contribution (Rs.)

Return before retirement (% p.a.)

Return after retirement (% p.a.)

Retirement years

Retirement Overview

Rs. 78,298,459

Years to invest

30 years

Final corpus at retirement

Rs. 78,298,459

Sustainable monthly pension

Rs. 504,478

Assumptions

Returns are assumed to be constant and net of tax.
Monthly pension is calculated like an annuity over the retirement years.
Inflation is not explicitly modelled; treat results in today's rupees.

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Data updated July 2026

Pension Calculation Methods in Sri Lanka

Different pension calculation methods apply depending on whether you're a public sector employee, private sector employee, or self-funded retiree.

Pension Type	Who Qualifies	Calculation	Max Benefit
Public Sector Pension	Government employees	1/55th × last salary × years served	90% of last salary
EPF Lump Sum	Private sector employees	Employee 8% + Employer 12% + interest	Full accumulated balance
ETF Benefit	Private sector employees	3% of monthly salary accumulated	Full accumulated balance
Self-Funded Pension	Anyone with retirement corpus	Corpus × withdrawal rate (3-4%)	Depends on corpus size
EPF Monthly Pension	EPF members opting for pension	Balance ÷ annuity factor	Based on balance at retirement

Example: 30-year-old, Rs. 30,000/month contribution

Sample Inputs

Current Age30 years

Retirement Age60 years

Monthly ContributionLKR 30,000

Return Before Retirement10%

Years to Invest60 - 3030 years

Total Contributions30,000 × 12 × 30LKR 10.8M

Corpus at RetirementWith compound interest~LKR 68M

Sustainable Monthly Pension~LKR 280,000

What This Calculator Does

This calculator projects your retirement corpus and calculates a sustainable monthly pension based on your contributions, expected returns, and retirement timeline.