Sri Lanka EPF & ETF Calculator
See exactly what goes into your provident and trust funds each month — what you contribute, what your employer adds, and what it builds up to over your years of service.
Generated 14 September 2026
EPF and ETF contribution summary
This is an estimate, not a tax assessment or a statement of what you owe. An indicative estimate only. Your actual position may differ — please confirm before relying on it.
Your details
Your results
Total added to your funds each month
LKR 0.00
Enter your basic salary to see your contributions.
An indicative estimate only. Your actual position may differ — please confirm before relying on it.
Monthly contributions
- Contribution baseBasic salary only
- LKR 0.00
- Employee EPF contribution8% — deducted from your salary
- LKR 0.00
- Employer EPF contribution12% — paid by your employer
- LKR 0.00
- Employer ETF contribution3% — paid by your employer, no employee share
- LKR 0.00
- Total added to your funds each month
- LKR 0.00
Annual contributions
- Employee EPF
- LKR 0.00
- Employer EPF
- LKR 0.00
- Total EPF a year
- LKR 0.00
- ETF a year
- LKR 0.00
- Total a year
- LKR 0.00
How we calculated this
EPF and ETF are percentages of a single base figure. These are the steps applied to your salary.
1. The contribution base
All three contributions are percentages of the same figure. You have chosen basic salary only, which comes to LKR 0.00 a month.
The statutory base under the EPF Act is total earnings, but many employment contracts contribute on basic salary alone. Check your payslip against the figures here — if they differ, your employer is probably using the other base.
2. Who pays what
- Employee EPF — 8%: LKR 0.00 × 8% = LKR 0.00. This is deducted from your salary, so it reduces your take-home pay.
- Employer EPF — 12%: LKR 0.00. Paid by your employer on top of your salary.
- Employer ETF — 3%: LKR 0.00. Also paid entirely by your employer. There is no employee share of the ETF.
Your EPF account receives LKR 0.00 a month — your contribution plus your employer’s. The ETF is a separate fund, holding LKR 0.00 a month.
3. What accumulates over time
Enter a length of service above and this section will show what accumulates over that period.
Your EPF is worth more than the deduction on your payslip
Calculation assumptions
Last updated: 2 September 2026
Where the rules leave room for interpretation, this is the position we took. Open any one to see the reasoning.
Accumulated balances exclude any return credited by the fundYou can change this
The EPF declares a rate of return each year that we cannot predict. The accumulated figure is the sum of contributions only, unless you enter an assumed annual return, which is then applied as compound growth and clearly labelled as your own assumption.
Employer EPF and ETF contributions are not treated as your taxable income
Employer contributions to an approved provident fund and to the ETF are paid on top of your earnings and are not included in the employment income we tax. They are shown separately as employer cost.
Your salary is assumed constant across the period
Annual figures are the monthly figure multiplied by twelve. Increments, bonuses paid in a single month and unpaid leave will change the real outcome.
Where these rates come from
- Employees’ Provident Fund — contribution rates
Central Bank of Sri Lanka / Department of Labour · Published 1 January 2026 · Checked 2 September 2026
- Employees’ Trust Fund Board — contribution rate
Employees’ Trust Fund Board of Sri Lanka · Published 1 January 2026 · Checked 2 September 2026
Save a copy
Produces a PDF of the result and its breakdown — just the figures, not the rest of the page.
Opens your browser’s print dialog — choose Save as PDF as the destination. On a phone, use Share → Print → Save as PDF.
Important — please read
Figures shown here are indicative estimates produced from the information you enter, and should be treated as a guide rather than a determination of what you owe or will receive. Rates, thresholds and rules change, individual circumstances vary widely, and no calculator can account for every factor that may apply to you. Calculate.lk is an independent service, is not affiliated with or endorsed by any government department or authority, and gives no warranty that any figure shown is accurate, complete or current. Before acting on anything here — filing, borrowing, negotiating a salary or planning around a number — confirm your position with a suitably qualified professional or the relevant authority.
Produced by Calculate.lk (https://calculate.lk). Calculate.lk is an independent service and is not affiliated with, endorsed by, or operated by any government department or authority. This document has no official status and should not be submitted as, or relied upon in place of, a return or assessment prepared by a qualified professional.
Frequently asked questions
How much is EPF and ETF in Sri Lanka?
The employee contributes 8% of earnings to the EPF and the employer contributes 12%, making 20% into the provident fund. The employer separately contributes 3% to the ETF. There is no employee contribution to the ETF — the full 3% is an employer cost.
Is EPF calculated on basic salary or gross salary?
The statutory base under the EPF Act is total earnings, which broadly means basic salary plus regular allowances. In practice many employment contracts in Sri Lanka contribute on basic salary alone. This calculator lets you choose the base so you can match whichever figure your employer actually uses.
What is the difference between EPF and ETF?
They are two separate funds. The EPF is the larger one, funded by both you and your employer at 8% and 12%, and is your retirement savings. The ETF is funded entirely by your employer at 3% and is administered by the Employees’ Trust Fund Board. Your contributions and balances are tracked separately in each.
Does my EPF balance earn interest?
The EPF declares a rate of return each year, credited to member balances. Because that rate is set annually and cannot be predicted, this calculator shows contributions only by default. You can enter your own assumed annual return to see a projection, which is then clearly labelled as your assumption rather than a declared rate.
When can I withdraw my EPF in Sri Lanka?
Withdrawal is generally permitted on retirement, and in specific circumstances such as permanent migration, permanent disability or, for female members, on leaving employment after marriage. Housing-related withdrawals are also available in defined cases. The Employees’ Provident Fund sets the conditions — check the current rules with the fund directly before planning around them.
Does my employer’s contribution reduce my salary?
No. The 12% EPF and 3% ETF are paid by the employer on top of your earnings, and they are not part of the employment income that is taxed. Only your own 8% is deducted from your pay, which is why your take-home figure falls by 8% and not by 23%.