EPF and ETF Calculator Sri Lanka: Balance at Retirement
Project your EPF balance in Sri Lanka: 8% from you and 12% from your employer every month, the annual interest and the ETF 3%, up to age 55 or 60.
| Age | Contributions | Interest | Balance |
|---|
The Central Bank declares the EPF interest rate each year from the fund's results, so the future rate is an assumption. ETF is a separate fund, not included in the EPF balance.
What it does
The Employees' Provident Fund (EPF), managed by the Central Bank of Sri Lanka, receives 20% of your total earnings every month: 8% deducted from your salary and 12% paid by the employer, with no ceiling. The balance earns interest declared each year and can be withdrawn at 55 for men and 50 for women, or later on retirement. Employers also pay 3% to the separate Employees' Trust Fund (ETF).
How to use it
- Type your monthly salary, age and current balance.
- Choose the retirement age, the interest rate and the salary increase.
- Read the balance at retirement and the table year by year.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
How much will I have at 55 with Rs. 100,000 from age 30?
Rs. 20,000 a month goes in (Rs. 8,000 from you, Rs. 12,000 from your employer). At 9% a year for 25 years the balance reaches about Rs. 21,166,754, of which Rs. 6,000,000 are contributions.
Is there a maximum salary for EPF?
No. EPF is charged on total earnings with no ceiling.
What is the ETF?
The Employees' Trust Fund: the employer pays 3% of earnings, Rs. 3,000 a month on Rs. 100,000; you can claim it when you leave a job.
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