Money Tools
Tax, loan, EMI, and money planning tools for Sri Lanka.
Income Tax (APIT) Calculator
Estimate monthly APIT, employee EPF, and take-home salary.
Loan / EMI Calculator
Work out monthly instalments and total interest on a loan in LKR.
Cost to Company (CTC)
Calculate exact SME payroll cost (EPF/ETF vs Take-Home).
Freelancer Hourly Rate
Calculate your optimal hourly freelance rate.
Vehicle Lease EMI Calculator
Calculate your monthly vehicle lease installments, total interest, and loan-to-value ratio for Sri Lankan banks and finance companies.
Loan Eligibility (DBR)
Model monthly repayment room under your own DBR and liability assumptions.
EPF & ETF Calculator
Estimate EPF and ETF contributions, returns, and a retirement balance.
FD & T-Bill Calculator
Calculate your Fixed Deposit or Treasury Bill returns, updated with the latest 10% Withholding Tax (WHT) regulations for Sri Lanka.
Gratuity Calculator
Estimate gratuity under the Payment of Gratuity Act for both salaried and daily-rated employees.
Housing Loan Calculator
Estimate a housing loan instalment plus the stamp duty and fees payable in cash on the day.
Hire Purchase Calculator
Work out hire purchase instalments and the reducing-balance rate a flat quote really equals.
Government Pension
Estimate a public service pension from the last drawn salary and length of service.
Import Cost Calculator
Calculate CIF and the full cascade of Sri Lankan import levies to a landed cost.
Finance calculators for Sri Lanka
Plan salary deductions, loan repayments, savings, and long-term funds in Sri Lankan rupees. The tools below focus on local tax rules and common banking calculations, with assumptions shown beside regulated estimates.
Start with the decision you need to make, then check the source date and limitations on the calculator page before relying on the result.
Choose the right finance calculator
- 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 money guides
- 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 LankaStamp duty, deposit, legal and valuation fees: what you actually need in cash to buy a house in Sri Lanka, with worked figures and the full loan cost.
- Flat Rate vs Reducing Balance Interest in Sri LankaCompare flat and reducing-balance loan rates in Sri Lanka with a worked example, the EMI formula, and a checklist for comparing lender quotations.