EPF/ETF Calculator Sri Lanka
Project your retirement savings with official EPF (8% + 12%) and ETF (3%) contribution rates. Based on CBSL declared interest rates.
11%
EPF Rate 2025
3%
ETF Contribution
23%
Total Contribution
Rates verified current
Verified 25 Sept 2026 · source
Your Details
Retirement: 55 years (EPF Act)
Include: Basic + COL + Fixed Allowances
2024: 11% (CBSL)
2024: 10% (ETFB)
Statutory Contribution Rates
Your EPF
8%
Employer EPF
12%
Employer ETF
3%
Total: 23% of gross salary (EPF Act No. 15 of 1958)
Enter Your Details
Enter your salary and age to project your retirement savings
EPF/ETF Yearly Projection Example
The table below shows how EPF and ETF balances grow over 25 years for a 30-year-old earning Rs. 100,000/month with 5% annual salary growth and 11% EPF interest rate.
| Year | Monthly Salary | Monthly EPF | Monthly ETF | EPF Balance | ETF Balance |
|---|---|---|---|---|---|
| Year 1 | Rs. 100,000 | Rs. 20,000 | Rs. 3,000 | Rs. 252,000 | Rs. 36,000 |
| Year 5 | Rs. 121,551 | Rs. 24,310 | Rs. 3,647 | Rs. 1,680,000 | Rs. 240,000 |
| Year 10 | Rs. 155,133 | Rs. 31,027 | Rs. 4,654 | Rs. 4,850,000 | Rs. 690,000 |
| Year 15 | Rs. 197,993 | Rs. 39,599 | Rs. 5,940 | Rs. 10,800,000 | Rs. 1,540,000 |
| Year 20 | Rs. 252,695 | Rs. 50,539 | Rs. 7,581 | Rs. 21,200,000 | Rs. 3,020,000 |
| Year 25 | Rs. 322,510 | Rs. 64,502 | Rs. 9,675 | Rs. 38,500,000 | Rs. 5,500,000 |
Total at Retirement: ~Rs. 44,000,000 (EPF Rs. 38.5M + ETF Rs. 5.5M)
* Projection assumes 11% EPF interest, 5% annual salary growth, consistent monthly contributions, and no pre-retirement withdrawals. Actual amounts will vary based on interest rate changes and career breaks. Use the calculator above for personalized projections.
Example: 30-year-old earning LKR 100,000/month
Sample Inputs
What This Calculator Does
This calculator projects your retirement savings by combining EPFEmployees' Provident Fund — mandatory retirement savings fund for private-sector workers (Employees Provident Fund) and ETFEmployees' Trust Fund — employer-funded benefit fund for workers (Employees Trust Fund) contributions over your working years. It uses official CBSLCentral Bank of Sri Lanka — the country's monetary authority rates and accounts for salary growth, compound interest, and pre-retirement withdrawals.
- Calculates monthly EPFEmployees' Provident Fund — mandatory retirement savings fund for private-sector workers contributions (8% employee + 12% employer = 20%)
- Calculates monthly ETFEmployees' Trust Fund — employer-funded benefit fund for workers contributions (3% employer only)
- Projects growth with compound interest at CBSLCentral Bank of Sri Lanka — the country's monetary authority declared rates
- Models salary increases over your career
- Supports 30% pre-retirement withdrawal calculations
Inputs and Assumptions
Assumptions
- - Contributions are made consistently every month
- - Interest rates remain constant (actual rates vary yearly)
- - No breaks in employment
- - Salary increases apply annually
Frequently Asked Questions
Related Resources
Disclaimer: This calculator provides estimates based on assumed growth rates. Actual EPF/ETF interest rates are declared annually by CBSL/ETF Board and may vary.
Sources & methodology
Part of the Tax & Salary collection
How we calculate
Employees' Provident Fund
Get employment & epf/etf change alerts
Methodology verified July 2026 against Employees' Provident Fund · Attribution: CalcLK
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