EPF and ETF Calculator Sri Lanka

Estimate EPF and ETF contributions and a possible retirement balance using the statutory minimum contribution rates plus your own salary-growth and annual-return assumptions. Actual declared returns and eligible earnings can differ.

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This is your projection assumption, not a promised EPF interest rate or ETF dividend rate. Actual declared returns vary by year.

Projection assumptions

Employee EPF contribution
8%
Employer EPF contribution
12%
Employer ETF contribution
3%
Annual salary growth
5%
Annual return used
9%
Projection period
30 years
Withdrawal tax included
No

Estimated Retirement Fund

Rs. 72.46M
Final EPF Balance:Rs. 62,723,605
Final ETF Balance:Rs. 9,740,233
Employee EPF Contributions:Rs. 6,378,129
Employer EPF + ETF:Rs. 11,958,993
Compound Interest Earned:+ Rs. 53,526,715

Wealth Accumulation Timeline

Illustrative balance projection through age 60 using the assumptions above.

This is an illustrative retirement projection, not a statement from the Central Bank, Department of Labour, ETF Board, or IRD. It assumes contributions are made throughout each year and applies the entered return to the opening balance plus half of that year's contributions. Actual eligible earnings, declared returns, credited dates, withdrawals, fees, and tax treatment can produce a different balance.

EPF and ETF contribution assumptions

CBSL states the statutory minimum EPF contribution is 20% of gross monthly earnings: 8% from the employee and 12% from the employer. The ETF Board states the employer contributes a further 3% to ETF.

Default statutory minimum contribution rates
FundPaid byRate used
EPFEmployee8%
EPFEmployer12%
ETFEmployer3%

How the retirement projection works

The calculator grows salary by the entered annual percentage, adds one year of contributions, and applies the entered return to the opening balance plus half of that year's contributions as an approximation for contributions arriving throughout the year.

The entered return applies to both projected balances for simplicity. Actual EPF interest and ETF dividend declarations, crediting methods, and dates may differ.

What 20% of salary compounds to

EPF receives 20% of the contribution base every month - 8% from the employee and 12% from the employer - and ETF adds a further 3% from the employer. On a Rs. 100,000 base that is Rs. 20,000 into EPF and Rs. 3,000 into ETF each month, of which the employee funds Rs. 8,000.

The reason the balance grows faster than the contributions alone is that declared interest is credited to the whole accumulated balance each year, not just to the year's contributions. Early years therefore matter more than late ones: a contribution made at 25 has forty years of compounding behind it by retirement, while one made at 55 has ten.

This also means a period out of covered employment costs more than the contributions missed, because those contributions would have been compounding for the rest of your working life. If you move between jobs, confirm that contributions resumed rather than assuming they did.

Withdrawal tax needs separate treatment

The IRD 2025/2026 tax chart lists receipts from an approved or regulated provident fund as exempt. This means a normal qualifying EPF receipt should not be presented as automatically subject to the terminal-benefit bands.

Separate rules can apply to ETF paid at or after retirement, unapproved provident funds, gratuity, commuted pensions, compensation, and other terminal benefits. Confirm the fund's approval status, payment type, and current IRD treatment before relying on a withdrawal estimate.

Checking that contributions are actually reaching you

Contributions are remitted by the employer, so a payslip deduction is not by itself proof that the money arrived. Members can check their EPF balance through the Central Bank's member services and their ETF balance through the ETF Board, and it is worth doing periodically rather than assuming.

Discrepancies are easiest to resolve close to when they arise, while payslips and employment records are to hand. A gap of several years is far harder to reconstruct, particularly after changing employers, and the contributions missed would have been compounding throughout.

Where contributions appear to be missing or understated, the Department of Labour and the respective funds handle non-remittance complaints. Keep payslips showing the deduction, since they establish what was withheld from you regardless of what was remitted.

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Frequently asked questions

The calculator uses the statutory minimum EPF rates of 8% from the employee and 12% from the employer, plus the employer-funded 3% ETF contribution. Confirm eligible earnings and actual credits with the relevant authority or employer.

No. The annual return is an editable planning assumption. EPF interest and ETF dividends are declared for the relevant periods and can differ from the rate entered.

It depends on your salary path, how long you contribute, and the interest the fund declares each year - none of which can be known in advance. This tool projects a balance from the growth and return assumptions you enter, so treat the output as a scenario rather than a forecast, and re-run it as your salary changes.

Only on specific qualifying grounds set by the EPF rules, such as retirement age, permanent migration, or certain medical and housing grounds. It is not a savings account you can draw on freely. Check the current qualifying conditions with the Central Bank's EPF department before planning around a withdrawal.

Terminal benefits have their own tax treatment, which is separate from the monthly APIT deducted from salary and separate from this projection. The IRD publishes dedicated tables for qualifying terminal benefits, so a withdrawal should not be run through a regular-income calculator.

A rate declared annually by the fund; it is not fixed or guaranteed in advance. Because the declared return varies, the projection here uses whatever annual return you enter. Entering an optimistic figure produces an optimistic balance - it does not make the balance more likely.

EPF is funded by both parties - 8% from the employee and 12% from the employer - and is the larger retirement balance. ETF is funded entirely by the employer at 3% and is administered separately by the ETF Board. They are two distinct funds with different rules, not two parts of one scheme.

For covered employment, yes - the 12% EPF and 3% ETF employer contributions are statutory minimums, not optional benefits. If contributions are not reaching your account, the Department of Labour and the respective funds handle non-remittance complaints.