EPF/ETF Calculator (Sri Lanka)
Updated November 2026 · Free · No sign-up
Calculate Sri Lanka’s EPF and ETF — EPF at 8% employee + 12% employer, ETF at 3% (employer-only), on total earnings — and the balance your contributions build.
Quick answer: Sri Lanka: EPF = 8% from you + 12% from the employer; ETF = 3% employer-only — 23% of earnings flowing to your funds monthly. Rs 150,000 earnings → Rs 34,500/month into EPF+ETF.
The Two Funds
| EPF (Central Bank-managed) | 8% employee + 12% employer — retirement corpus with annual dividends (~9-13% recent era, rate-environment dependent) |
| ETF | 3% employer-only — a second, smaller fund with its own withdrawal windows (claimable at each job change after 5 years, uniquely) |
Base: TOTAL earnings (salary + cost-of-living + most allowances) — broader than India’s basic-only EPF.
Worked Example
Rs 150,000: EPF 12,000 + 18,000 = 30,000; ETF 4,500 → 34,500/month. Twenty years with dividends compounds toward Rs 25-35M depending on rates — the fund’s annual dividend announcement is national news for a reason.
Withdrawal Rules
EPF: at 55 (50 women), marriage (women, once), permanent migration, or permanent disability — NOT at job changes (balances follow you). Housing loans against balances exist. ETF: claimable 5-yearly at job changes — the small fund people forget to collect.
Member Hygiene
Check balances via the EPF’s member services (B-cards/online); unremitted deductions are criminal — the Labour Department recovers with surcharges. Tax: contributions and the funds’ returns interact with APIT rules; terminal benefits enjoy concessional treatment.
Frequently Asked Questions
What are EPF rates in Sri Lanka?
8% employee + 12% employer on total earnings — plus the 3% employer-only ETF; 23% total flowing monthly.
When can I withdraw Sri Lankan EPF?
At 55 (women 50), on a woman’s marriage (once), permanent migration, or disability — job changes transfer, not withdraw.
What is ETF and when is it claimable?
The 3% employer-funded second fund — uniquely claimable at job changes once per 5 years, and at retirement.
What earnings does EPF apply to?
Total earnings — salary plus regular allowances — broader than basic-only systems.
What returns does EPF pay?
Annual declared dividends (recently 9-13% depending on the rate environment) credited to member balances.
✓ Formula verified • Last updated: November 3, 2026