See your monthly EPF and ETF contributions and estimate your balance at retirement with interest.
At retirement
–
| Age | EPF | ETF |
|---|
| Fund | Employee | Employer | Total |
|---|---|---|---|
| EPF (Employees' Provident Fund) | 8% | 12% | 20% |
| ETF (Employees' Trust Fund) | – | 3% | 3% |
Check your balances with the Central Bank's EPF member services or the ETF Board. See your monthly take-home pay with the Sri Lanka salary calculator.
At least 20% of your total earnings goes into EPF: 8% from you and 12% from your employer. Your employer also pays 3% into ETF. On a salary of Rs. 100,000, that's Rs. 20,000 into EPF and Rs. 3,000 into ETF every month.
The Central Bank declares the EPF interest rate each year based on the fund's returns; in recent years it has been around 9–11%. The calculator uses the rate you enter, so try a few rates to see the range of outcomes.
Usually at the retirement age of 55 for men and 50 for women, or earlier when leaving employment permanently, migrating, or in some other cases. Partial withdrawals for housing and medical needs may also be possible.
No. They assume the same interest rate and salary growth every year. Real interest rates, pay rises and job changes will differ, so treat the result as an estimate.