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.
How this EPF and ETF calculator works
Step 01
Put in your monthly salary before deductions, the gross figure on your contract, not the amount that reaches your account
Step 02
Choose monthly or annual, depending on whether you are checking one payslip or a full year
Step 03
Get back each contribution in rupees: your 8% EPF, your employer's 12% EPF and 3% ETF
Step 04
See your net salary next to the 23% building in your name, so the deduction stops reading as money lost
Curious? Here's what women ask before they start.
If your question isn’t here, reach out at [support email] and we’ll answer.
How is EPF calculated in Sri Lanka?
EPF is worked out as a percentage of your monthly earnings. You contribute 8%, which is deducted from your salary, and your employer contributes 12% on top of it. Both shares go into the same fund in your name, so 20% of your monthly earnings is added to your EPF balance each month.
Is ETF deducted from my salary?
No. ETF is paid entirely by your employer at 3% of your earnings, and nothing is taken from your pay for it. The only deduction from your salary is the 8% EPF share, which is why your net salary comes to 92% of the figure on your contract.
What if my needs are more than my EPF will cover?
EPF and ETF are a floor, not a finish line. They only build while you are formally employed, so a career break, a move to freelance work, or years spent caring for a family pause the contributions while the retirement date stays put. The retirement gap calculator shows you the size of that gap in rupees.
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Your money should last as long as you do. Knowing how it works is where that starts.
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