Free budget and investment calculators
Eight calculators, all in rupees, all free. Put in your own numbers and get an answer in seconds.
Budget allocator (50/30/20)
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.
How long could you survive?
Answers the uncomfortable question first: if your income stopped today, how many months would your savings actually cover?
Emergency fund goal timeline
Answers the uncomfortable question first: if your income stopped today, how many months would your savings actually cover?
Debt health check
Your debt ratio in one line: monthly debt payments divided by monthly income. It tells you whether you repayments are heavy or normal.
Debt payoff planner
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).
Compounding calculator
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.
Inflation-adjusted returns
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.
Retirement gap calculator
Puts a number on the distance between what your retirement will cost and what you are currently on course to have.
Your Local Tax calculator
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.
Free goal planning calculator
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.
Free EPF and ETF calculator
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.
The same rhythm,
four times over.
Every tool follows the same pattern, so once you have used one you already know how to use the rest.
Step 01
Enter
Type in your own numbers. Nothing is preset for you, and there is no sign-up in the way.
Step 02
See
Get the result immediately, in rupees, in plain language rather than jargon.
Step 03
Understand
Every calculator links to the lesson that explains what the number means and what usually moves it.
Step 04
Keep
Write the result onto the matching printable worksheet, so the number turns into a plan you can hold onto.
Beyond the Calculators
Free courses
Four modules explain the thinking behind every calculator on this page, from your first budget to a retirement plan. Free, self-paced, certificate at the end.
Resources & Worksheets
Printable worksheets for budgeting, career breaks, child planning, insurance and your portfolio. Print them, fill them in, and keep them where you will see them.
Speak to an Advisor
Questions the course does not cover? Talk to a JB Vantage advisor about a plan built around your own goals.
Curious? Here's what women ask before they start.
If your question isn’t here, reach out at [support email] and we’ll answer.
Are the HerWEALTH calculators free?
Yes, all eight are completely free. There is no fee, no credit card and nothing to pay later. HerWEALTH is a financial literacy programme by JB Vantage, open to any woman in Sri Lanka who wants to learn.
Do I need to sign up to use them?
Yes, and it is free. Creating a HerWEALTH account takes a minute, with no card and nothing to pay later. The account is what keeps your course progress and your certificate together, so what you have done is still there when you come back.
Do the calculators work in Sri Lankan rupees?
Yes. Every input and result is in LKR, and the examples use Sri Lankan costs, fixed deposits, unit trusts and the Colombo Stock Exchange rather than generic global figures.
Is this investment advice?
No. HerWEALTH is education, not investment advice. The calculators show you how the numbers work so you can make your own decisions, and the course explains the reasoning behind each one.
Do I have to take the course to use the calculators?
Not at all. You can use any calculator on its own. Each one also links to the lesson it belongs to, in case the result raises a question you want answered properly.
Your money should last as long as you do. Knowing how it works is where that starts.
Join women across Sri Lanka learning to budget, invest, and plan, free.
