Retirement Planner
Project your retirement corpus across conservative, moderate and aggressive scenarios, including EPF contributions.
Your Details
EPF: 8% employee + 12% employer = Rs. 30,000/month
Conservative
76,688,311
at age 55
Monthly income (4% SWR)
Rs. 255,628
Moderate
107,069,354
at age 55
Monthly income (4% SWR)
Rs. 356,898
Aggressive
220,681,455
at age 55
Monthly income (4% SWR)
Rs. 735,605
Corpus Growth Over Time
Retirement Readiness Analysis
Monthly Need
Rs. 429,187
Safe Income
Rs. 255,628
Shortfall
-Rs. 173,559
Corpus lasts approximately 15 years in retirement
Monthly Need
Rs. 338,635
Safe Income
Rs. 356,898
Surplus
+Rs. 18,263
Corpus lasts approximately 30 years in retirement
Monthly Need
Rs. 338,635
Safe Income
Rs. 735,605
Surplus
+Rs. 396,970
Corpus lasts approximately 30 years in retirement
Key Assumptions
Retirement Planning Scenarios for Sri Lanka
Three common retirement scenarios with Sri Lanka-specific assumptions. These examples show how starting age, return rate, and monthly contributions affect your retirement corpus.
Scenario 1: Early Starter (Age 25, Rs. 10K/month)
Starting Age: 25 | Retirement Age: 55 | Monthly Contribution: Rs. 10,000
Return Rate: 10% (moderate — mix of FDs and unit trusts)
Inflation: 6% (Sri Lanka average)
Result at 55: ~Rs. 23.8 million nominal | ~Rs. 4.2 million real (inflation-adjusted)
With EPF: Add ~Rs. 5-8 million depending on salary growth. Total corpus: ~Rs. 28-32 million.
Verdict: Comfortable retirement if expenses are under Rs. 120,000/month (4% rule: Rs. 1.12M/year from Rs. 28M).
Scenario 2: Mid-Career Catch-Up (Age 40, Rs. 25K/month)
Starting Age: 40 | Retirement Age: 55 | Monthly Contribution: Rs. 25,000
Return Rate: 10% (moderate)
Inflation: 6%
Result at 55: ~Rs. 10.5 million nominal | ~Rs. 4.4 million real
With EPF: Add ~Rs. 3-5 million. Total corpus: ~Rs. 13-15 million.
Verdict: Moderate retirement. May need to reduce expenses or work part-time. Consider increasing contributions to Rs. 35K/month for comfort.
Scenario 3: Aggressive Saver (Age 30, Rs. 30K/month, 14% return)
Starting Age: 30 | Retirement Age: 50 (early retirement) | Monthly Contribution: Rs. 30,000
Return Rate: 14% (aggressive — equity-heavy portfolio)
Inflation: 6%
Result at 50: ~Rs. 28.5 million nominal | ~Rs. 8.9 million real
With EPF: EPF not accessible until 50 (women) or 55 (men). Need bridge corpus for 5+ years.
Verdict: Early retirement possible with disciplined saving and higher-risk investments. Ensure 14% return is realistic — historical CSE returns are volatile.
Sri Lanka Retirement Planning Assumptions
Key assumptions for retirement planning in Sri Lanka. Adjust these based on your personal circumstances and economic outlook.
| Parameter | Conservative | Moderate | Aggressive |
|---|---|---|---|
| Expected Return | 8% (FDs only) | 10% (FD + unit trusts) | 14% (equity-heavy) |
| Inflation | 7% (high) | 6% (average) | 5% (optimistic) |
| Real Return | 1% | 4% | 9% |
| EPF Contribution | 8% employee + 12% employer | 8% employee + 12% employer | 8% employee + 12% employer |
| Retirement Age | 60 (women) / 65 (men) | 55 (women) / 60 (men) | 50 (early retirement) |
| Withdrawal Rate | 3% (safe) | 4% (standard) | 5% (flexible) |
Example: 30-year-old saving Rs. 25,000/month
Sample Inputs
What This Calculator Does
This planner projects your retirement corpus based on current savings, monthly contributions, and expected returns. It models multiple scenarios (conservative, moderate, aggressive) and shows whether you'll meet your retirement goals.
- Projects retirement corpus with compound interest
- Models 3 scenarios with different return rates
- Includes EPF/ETF contributions in calculations
- Accounts for salary growth over time
- Shows monthly sustainable withdrawal amount
Inputs and Assumptions
Assumptions
- - Life expectancy of 85 years
- - 4% safe withdrawal rate
- - Contribution grows with salary (5%/year)
- - Three return scenarios: 8%, 10%, 14%
Frequently Asked Questions
Related Resources
Important: These projections are for educational purposes only and are based on assumed rates of return. Actual returns may vary significantly. This is not financial advice. Inflation, taxes, and other factors can impact your actual retirement corpus. Please consult a licensed financial advisor for personalized retirement planning.
Sources & methodology
Part of the Savings & Retirement collection
How we calculate
Employees' Provident Fund
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Methodology verified July 2026 against Employees' Provident Fund · Attribution: CalcLK