Enter what your life costs today and what you are putting away for later. Retirement stops being a feeling and becomes four numbers, including the only one that matters, the gap.
Put in your monthly expenses today, and an inflation rate to carry them forward
Add your years to retirement, and the number of years you expect to spend in it
Add your current savings, what you invest each month, and the return you are willing to assume
Press Reveal My Gap for what a month will cost you then, the corpus that funds it, and the gap
If your question isn’t here, reach out at [support email] and we’ll answer.
There is no single figure, because it depends on what your life costs and how long your retirement lasts. The calculator builds the number from your own monthly expenses rather than a generic target.
Women in Sri Lanka live to 80.6 years on average against 74.2 for men, according to the Department of Census and Statistics. A longer retirement has to be funded by the same working life, so the money has to stretch further.
Only if you include them. Add your current balances to the current savings field so the projection reflects what you already have.
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?
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.
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.