Finance calculators for Sri Lanka
Plan your salary, loans, savings and major purchases in LKR.
Salary and work
Understand take-home pay, workplace funds and what to charge for your work.
Income Tax (APIT) Calculator
Estimate monthly APIT, employee EPF, and take-home salary.
EPF & ETF Calculator
Estimate EPF and ETF contributions, returns, and a retirement balance.
Cost to Company (CTC)
Estimate payroll cost including employer EPF and ETF contributions.
Gratuity Calculator
Estimate gratuity under the Payment of Gratuity Act for both salaried and daily-rated employees.
Freelancer Hourly Rate
Find an hourly rate that covers your income target and expenses.
Borrowing and buying
Compare monthly payments and the full cost of a loan, home or vehicle.
Loan / EMI Calculator
Work out monthly instalments and total interest on a loan in LKR.
Loan Eligibility (DBR)
Model monthly repayment room under your own DBR and liability assumptions.
Housing Loan Calculator
Estimate a home loan EMI and the cash needed upfront, including an example transfer duty.
Vehicle Lease EMI Calculator
Calculate your monthly vehicle lease installments, total interest, and loan-to-value ratio for Sri Lankan banks and finance companies.
Hire Purchase Calculator
Work out hire purchase instalments and the reducing-balance rate a flat quote really equals.
Import Cost Calculator
Calculate CIF and the full cascade of Sri Lankan import levies to a landed cost.
Savings and retirement
Estimate deposit returns and a pension using the figures that apply to you.
Finance calculators for Sri Lanka
See what you may take home from your salary, what a loan or vehicle could cost each month, and what a fixed deposit might pay. Choose a tool for the money decision in front of you.
Enter the figures from your payslip, bank offer or official notice. Each calculator explains its assumptions, source and last review date.
Choose the right finance calculator
- Sri Lanka Bank & Branch FinderFind a bank's four-digit code and a branch's three-digit code for banking forms.
- Estimate salary, APIT, and employee EPFUse monthly basic salary and regular allowances to estimate take-home pay.
- Compare a reducing-balance loan EMIEstimate monthly instalments, total interest, and total repayment in LKR.
- Project an EPF and ETF balanceModel contributions, salary growth, and long-term compound returns.
- Check estimated loan eligibilityReview debt burden and an indicative maximum borrowing amount.
How to use finance estimates responsibly
A calculator is most useful for comparing scenarios. Change one input at a time, record the assumptions, and compare total costs instead of only the monthly amount. For loans, confirm whether a quoted rate is flat or reducing balance and include compulsory fees and insurance.
Tax, EPF, ETF, and regulated lending assumptions can change. HariTools labels reviewed calculators with the source, effective date, method, and limitations. Always compare a final decision with an official publication, payslip, lender quotation, or qualified adviser.
Related finance guides
- TIN Sri Lanka 2026: How to Get Your Taxpayer NumberLearn who needs a Sri Lankan TIN, how to register online, required documents, and which transactions need a TIN certificate from 1 November 2026.
- Gratuity in Sri Lanka: Who Qualifies and How It Is PaidHow gratuity works under Sri Lanka's Payment of Gratuity Act: the five-year rule, the 15-employee threshold, the half-month formula, and worked examples.
- The Real Upfront Cost of Buying Property in Sri LankaPlan a home deposit, legal fees and upfront cash in Sri Lanka, with a Western Province stamp-duty example and loan repayment tables.