Enter your monthly essentials, choose 3 or 6 months of cover, and add what you can genuinely save each month. The calculator turns the target into a date rather than an intention.
Put in what you can genuinely save each month, not the amount you wish you could
Add your monthly essentials, the cost of keeping your life running with nothing extra in it
Choose your target, 3 months of essentials to begin with or the full 6
Press Build My Plan for your target in rupees and the number of months to reach it
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Between 3 and 6 months of essential expenses. The calculator works out the rupee value from your own monthly essentials, so the target is yours rather than a generic figure.
Start anyway and set the 3 month target first. A partial fund still changes what happens when something breaks, because it is the difference between paying and borrowing.
A common approach is a small starter fund, then high-interest debt, then the full 3 to 6 months. Module 01 works through the reasoning so you can decide which order fits your own situation.
Splits your monthly income after tax into needs, wants and savings, so you can see the shape of your month before you start spending it.
Answers the uncomfortable question first: if your income stopped today, how many months would your savings actually cover?
Your debt ratio in one line: monthly debt payments divided by monthly income. It tells you whether you repayments are heavy or normal.
Compares the two ways of clearing debt on your own numbers: smallest balance first for momentum (snowball), or highest interest first to save the most money (avalanche).
Shows what a steady monthly amount becomes when it is left alone to grow, and how much of the final total is growth rather than money you put in.
The hidden risk inside a "safe" savings account. Compares the interest you earn against inflation, so you can see what your money will really buy later.
Puts a number on the distance between what your retirement will cost and what you are currently on course to have.
Enter one number you already know, your monthly salary before deductions, and see what you actually pay in tax each month and each year. The rates are the ones in force from 1 April 2025.
Put in what your goal costs, how long you have, and the return you expect, and see the amount to invest each month in rupees. Change the goal, change the timeline, and watch the number move.
EPF and ETF are Sri Lanka's workplace retirement contributions. Enter your monthly salary and see all three in rupees, and what actually reaches your account.
Join women across Sri Lanka learning to budget, invest, and plan, free.