Free Finance Calculators

Every Sri Lankan money calculation in one place — income tax, EPF and ETF, loan EMI, fixed deposit yield, VAT, stamp duty and gratuity. Each calculator uses the current official rate from the Inland Revenue Department, the Central Bank, or the Labour Department, and shows the full working so you can check the numbers yourself.

These tools are built for real decisions: what your take-home salary is after PAYE, what a loan actually costs per month, or how much an FD will return at maturity. There are no accounts, no ads, and every page cites its source and last-verified date so you always know the figures are current.

94 free tools·No signup·Free forever

Sri Lanka Tax Calculator

Calculate your monthly and annual personal income tax (APIT) for Sri Lanka's 2025/26 year of assessment using the official IRD brackets.

Sri Lanka EPF Calculator

Project your EPF and ETF balance at retirement using statutory contribution rates and the latest CBSL-declared interest. Year-by-year accumulation, no signup, sources cited.

Sri Lanka EMI Calculator

Calculate monthly EMI, total interest, and a full amortisation schedule for housing, vehicle, personal, and education loans in Sri Lanka. Compares BoC, NSB, Commercial, HNB, Sampath, DFCC, NDB, and People's Bank at their current published rates.

Sri Lanka FD Calculator

Calculate maturity value, interest earned, and net-of-WHT return on Sri Lankan rupee fixed deposits, with a side-by-side comparison across the major licensed banks.

Discount Calc

Quick math for sale prices, tip percentages, percentage increase or decrease, and tax-inclusive vs tax-exclusive prices. Four calculators in one, runs entirely in your browser, sources cited.

EMI Calculator

Calculate monthly EMI for any home, car, personal, or education loan. Standard reducing-balance formula, full year-by-year amortisation, ten currencies, cross-checked against the present-value identity.

Mortgage Calculator

Full mortgage calculator with principal, interest, taxes, insurance, and PMI. Year-by-year amortization, bi-weekly mode, and extra-payment savings. Seven currencies, runs in your browser, sources cited.

Compound Interest

Project the future value of a deposit with periodic contributions, any compounding frequency, and an inflation adjustment. Standard FV formula, period-by-period simulation cross-check, ten currencies.

Currency Converter

Convert between 60+ currencies at the live mid-market rate. USD-base cross-rate identity, round-trip verified, fetches refresh hourly with an embedded offline reference table. Free, no signup.

Salary Calculator

Convert any salary between hourly, daily, weekly, bi-weekly, semi-monthly, monthly, and annual pay. Multi-currency, optional take-home estimate, runs in your browser.

Income Tax (Global)

Estimate personal income tax in the US, UK, India, Australia, and Canada using each country's current published brackets. Single / individual filing status, federal where applicable, sources cited.

Investment Return

Project the future value of a monthly SIP, a one-time lump sum, or both side-by-side. Step-up SIP, inflation-adjusted view, and a verified closed-form FV — ten currencies, runs entirely in your browser.

Inflation Calculator

Convert any amount between two years using official CPI tables for the US, UK, India, and Sri Lanka. BLS, ONS, MoSPI, and CBSL data; cross-checked against a year-by-year CPI chain.

Profit Margin

Calculate gross margin, markup, net profit margin, and break-even units from cost and selling price. Four pricing tools in one — identity-verified, no signup, sources cited.

Break-Even Calc

Calculate break-even units and revenue from fixed costs, selling price, and variable cost per unit. Target profit, margin of safety, and a profit-at-volume table — two-method verified, currency-agnostic.

Tip Calculator

Calculate the tip, add tax, and split the bill across any number of people. Customary tip presets for 14 countries including Sri Lanka, US, UK, and Japan — instant, no signup, sources cited.

Invoice Generator

Build a professional invoice with line items, tax, discount, and shipping — then download a clean A4 PDF. Ten currencies, Sri Lanka VAT and SSCL presets, everything in your browser.

Net Worth

Calculate your net worth by entering every asset and liability across six categories each. Liquid net worth, debt-to-asset ratio, allocation breakdown, ten currencies — auto-saves to your browser, never uploaded.

Freelance Rate

Work out the hourly rate you need to charge as a freelancer. Enter your target income, weekly hours, time off, business expenses, tax rate, and profit margin — get an hourly, daily, and weekly rate that actually covers your costs.

SL Electricity Bill Calculator

Estimate your CEB or LECO electricity bill from one input — units consumed — using the current PUCSL-approved tariff. Block-by-block breakdown for domestic, religious, GP-1, and hotel customers.

SL Water Bill

Calculate your monthly NWSDB water bill from your meter reading using the gazetted block-tariff schedule, with service and sewerage charges itemised.

SL Revenue Licence Calc

Calculate the exact annual revenue licence fee for any Sri Lankan vehicle — car, three-wheeler, motorcycle, van, lorry or bus. Includes the 10%-per-quarter late surcharge and the mandatory emission test fee. Western Province schedule.

SL Gratuity Calculator

Calculate Sri Lanka gratuity payment under the Gratuity Act 1983 plus IRD terminal-benefits tax and net take-home. Covers both amount and tax. Free, no signup.

SL Gratuity Tax Calculator

Calculate exactly how much APIT tax applies to your Sri Lankan gratuity payment under IRD APIT Table 02. Enter gross gratuity + years of service — the first Rs 5M (or Rs 10M for 20+ years) is exempt. Free, no signup, sources cited.

SL Stamp Duty Calc

Calculate the stamp duty payable on deeds of transfer, lease agreements, mortgage bonds, promissory notes, hire-purchase agreements, affidavits, powers of attorney, and receipts in Sri Lanka. Uses the rates in the Stamp Duty (Special Provisions) Act and Gazette 1465/19, with the 4% Provincial Council rate on property transfers.

Sri Lanka VAT Calculator

Add or remove 18% Value Added Tax from any LKR amount, with a clear base / VAT / total breakdown and a copy-ready invoice line. Defaults to Sri Lanka's current standard rate and supports the older 8%, 12%, and 15% rates for reconciling historical invoices.

Annual Leave

Compute your statutory annual, casual, and medical leave entitlement in Sri Lanka under Shop & Office Employees Act § 6 — first-year quarter rule, proportionate casual accrual, remaining balance. Sources cited.

APIT Calculator

Free Sri Lanka APIT calculator using the IRD's official Table 01 for Y/A 2025/26. Monthly salary in, exact tax out, bracket-by-bracket breakdown, lump-sum (bonus) mode included. No signup, sources cited.

Aswesuma Benefit

Estimate the monthly and lifetime Aswesuma payment your household qualifies for across all four tiers, with elderly, disabled, kidney and CKDu supplements. Sources cited.

Bank Transfer Fee

Find the cheapest rail and exact fee for any interbank transfer in Sri Lanka. Compares CEFTS, SLIPS, and RTGS across BoC, People's, Commercial, HNB, Sampath, NDB, NSB, DFCC, and NTB. Free, sources cited.

Birth Certificate Fee

Work out the exact rupee cost of a Sri Lankan birth certificate — certified copies, search fee, late-registration penalty, one-day service, and amendments. Sources cited.

Bonus Tax

Work out the APIT your employer must withhold from a bonus, commission, or arrears in Sri Lanka. Uses IRD Table 02 for Y/A 2025/26. Free, no signup, sources cited.

Building Approval Fee

Estimate UDA, Municipal Council, Urban Council, or Pradeshiya Sabha building approval fees in Sri Lanka — application, planning, scrutiny, CoC and NBRO surcharge, all from the 2021 UDA gazette.

Capital Allowance

Calculate annual capital (depreciation) allowance and balancing charges for any business asset under Sri Lanka's Inland Revenue Act 2017, Third Schedule. Free, IRD-cited, no signup.

Capital Gains Tax

Compute Sri Lankan capital gains tax on land, buildings, unlisted shares, partnership interests. 10% flat rate, 30-Sep-2017 step-up, PPR exemption, IRD sources cited.

Company Reg Fee

Estimate the total Department of Registrar of Companies fees to incorporate a Pvt Ltd, PLC, or branch in Sri Lanka. Itemised, sources cited, no signup.

Corporate Tax

Compute corporate income tax for a Sri Lankan company at the IRD's Y/A 2025/26 rates — 30% standard, 15% SME, 18% manufacturing, 40% liquor/tobacco — with quarterly self-assessment dates. Sources cited.

Credit Card Interest

Find your finance charge, minimum payment, and months-to-clear on any Sri Lankan credit card. CBSL average-daily-balance method, 36% cap guard, no signup, sources cited.

CSE Brokerage

Calculate the total cost of a Colombo Stock Exchange share trade — brokerage, CSE fee, CDS fee, SEC cess, and Share Transaction Levy — with a per-leg breakdown and break-even sell price.

Death Certificate Fee

Work out the exact rupee cost of a Sri Lankan death certificate — registration, certified copies, search, MFA Apostille, sworn translation, and EMS courier. Sources cited.

Digital Services VAT

Compute the 18% Sri Lankan VAT on Netflix, Spotify, AWS, Adobe, Google Ads, and other non-resident digital invoices. Converts USD/EUR/GBP to LKR, splits net + VAT + total, and explains B2C vs reverse charge.

Distress Loan

Free Sri Lanka public-officer distress loan calculator. Eligibility, monthly EMI, total interest, salary-share check and a full amortisation schedule. Sources cited.

Electricity Connection Fee

Work out the full rupee cost of a new CEB or LECO electricity connection — application fee, capacity charge, service-line extension, refundable meter deposit, and stamp duty. Free, no signup, sources cited.

EPF/ETF Surcharge

Compute the EPF Act §38(1) and ETF Act §13 late-payment surcharge on aggregate Sri Lankan payrolls in seconds. Sources cited, statutory bands, due-date rollback included.

EPF Housing Loan

Find how much you can withdraw from your EPF balance for housing — purchase, build, renovate, or repay a mortgage. CBSL housing scheme rules, eligibility, and document checklist.

EPF Withdrawal Tax

Check if you can withdraw your EPF in Sri Lanka and estimate the tax withheld on the lump sum. Covers retirement age, female 50+, marriage, migration, disability, and death claims — sources cited.

ETF Calculator

Project your Employees' Trust Fund (ETF) balance at resignation, retirement, or migration using the statutory 3% employer rate and the ETFB's interest. Free, sources cited.

Excise Duty

Work out the Excise Duty + 18% VAT + 2.5% SSCL on a cigarette pack or liquor bottle in Sri Lanka. Per-stick / per-LAA rates from the Excise Department, sources cited.

FAR Calculator

Find the legal max floor area, plot coverage, and number of storeys for any land plot in a UDA zone in Sri Lanka. Free, no signup, sources cited.

Government Pension

Estimate your Sri Lankan public service monthly pension from pensionable salary and years of service. Uses the official (salary × months) ÷ 480 formula, with the 90% cap and W&OP/W&OOP summary. Free, sources cited.

Hire Purchase

Calculate your monthly HP installment, total finance charge, and true APR for any item bought on hire purchase in Sri Lanka. Flat rate → IRR conversion, amortisation schedule, sources cited.

Holiday Pay

Calculate the statutory holiday pay due to a Sri Lankan worker who worked on a public, bank, poya, mercantile, or rest-day holiday — under the Shop & Office Employees Act and Wages Boards Ordinance. Free, no signup, sources cited.

Hotel Bill Tax

Break down a Sri Lankan hotel invoice into Service Charge, Tourism Development Levy, SSCL and VAT in seconds. Reverse-derive the base from any final amount. Sources cited.

Construction Material

Estimate cement bags, sand, metal, bricks, blocks, TMT steel and roof material for a Sri Lankan house using CIDA & ICTAD residential consumption rates. Free, no signup, sources cited.

Inflation Calculator

Convert any past LKR amount into today's money using the official Colombo Consumer Price Index. Year-by-year purchasing power, real-return FD check, sources cited.

Land Registration Fee

Itemise the exact rupee cost to register a land deed at the Sri Lanka Land Registry — registration fee, folio, search, title plan, certified copies. Stamp duty separated out.

Leave Encashment

Calculate the cash value of unused annual leave at retirement, resignation, or year-end carry-forward in Sri Lanka. Public-sector 84-day cap and Shop & Office Act formulas — sources cited.

Liquor Licence Fee

Calculate the annual licence fee, renewal cost, and late-renewal surcharge for every Sri Lanka Excise Department liquor licence — FL/1 hotel, FL/3 tavern, FL/16 beer, FL/22 wholesale and more. Sources cited.

Lottery Tax

Work out your take-home from any Sri Lankan DLB or NLB lottery prize after the 14% WHT on shares above Rs 500,000. Inland Revenue Act citations, no signup.

Marriage Reg Fee

Add up the exact rupee cost to legally register your marriage in Sri Lanka — General, Kandyan, or Muslim register, in-office or hotel, with special licence and copies.

Maternity Leave

Work out exactly how many paid working days of maternity leave you are entitled to in Sri Lanka, your daily wage, total leave pay, and return-to-work date. Sources cited.

Minimum Wage

Check whether your pay meets Sri Lanka's legal minimum wage. Covers the national minimum and trade-specific Wages Boards (garments, plantations, hotels, building, bakery). Free, sources cited.

Insurance Premium

Calculate the IRCSL statutory minimum third-party motor insurance premium for any Sri Lankan vehicle — car, three-wheeler, motorcycle, lorry or bus. Stamp duty included. Free, no signup, sources cited.

Net to Gross Salary

Find the gross monthly salary you need to take home a target net in Sri Lanka — reverses APIT (PAYE) and 8% EPF using the IRD's Y/A 2025/26 brackets. Free, sources cited.

NIC Fee

Find the exact rupee cost of any Sri Lankan NIC service — first NIC, lost or damaged replacement, smart NIC upgrade, name or address change — with documents to carry and where to apply.

NRFC Deposit

Calculate maturity, interest, and LKR-equivalent value of a Sri Lankan NRFC, RFC, or BFCA foreign currency fixed deposit. Free, no signup, CBSL and IRD sources cited.

Overtime Pay

Calculate the legally-correct overtime pay you are owed in Sri Lanka under the Shop & Office Employees Act. Hourly rate, weekday + rest-day + holiday OT, total monthly gross — sources cited.

Passport Fee

Add up the exact rupee cost for a Sri Lankan passport — Normal or One-Day service, adult or child, replacement or alteration — line-by-line, sources cited.

Pawning Calculator

Calculate the maximum pawning advance, total interest, and repayment due at BoC, People's Bank, NSB, HNB, Commercial, and Sampath — by weight, carat, LTV, and tenure. Sources cited.

Pension Commutation

Calculate your commuted lump sum, reduced monthly pension and full-pension restoration date under the Sri Lanka public service pension scheme. Free, no signup, sources cited.

PCC Fee

Calculate the total LKR cost of a Sri Lanka Police Clearance Certificate — Police HQ fee, MFA Apostille or legalisation, certified translation, courier and express — itemised, sources cited.

Property Rates

Calculate quarterly and annual property rates payable to any Sri Lankan local authority. Includes the 31-January discount, early-quarter discount, and warrant surcharge. Free, no signup, ordinances cited.

Public Sector Salary

Calculate the basic salary, COLA, statutory deductions, and net take-home for any Sri Lankan government grade (MN, MA, MM, SL) using the Public Administration Circular 03/2016 scale. Free, sources cited.

Property Loan

Estimate your maximum government property loan, monthly instalment, and full amortisation under Public Administration Circular 03/2025. Free, no signup, sources cited.

Quarterly Tax

Calculate the four quarterly self-assessment income tax installments owed to the Sri Lanka IRD for Y/A 2025/26, with statutory due dates and late-payment interest estimate. Free, sources cited.

Recurring Deposit

Project the maturity value, interest, and post-WHT net payout of a Sri Lankan bank Recurring Deposit. Standard annuity formula, 5% WHT, senior-citizen exemption. Free, no signup.

Rental Tax

Work out the personal income tax on rental income in Sri Lanka — applies the IRD 25% deemed repair allowance and Y/A 2025/26 PIT slabs. Free, no signup, sources cited.

Senior Citizen FD

Calculate the 15% Senior Citizens' Special Deposit Scheme payout for any deposit, bank, and tenor — with WHT, monthly cash flow, and a market-FD comparison. Free, no signup, sources cited.

SLBFE Fee

Calculate the total Rs you pay the SLBFE before going abroad — registration, insurance, welfare fund, and housemaid training, itemised by destination and contract length.

Solar Net Metering

Estimate solar payback for rooftop PV in Sri Lanka under all three CEB/PUCSL schemes. Side-by-side Net Metering vs Net Accounting vs Net Plus, 20-year cash flow, free, sources cited.

SSCL Calculator

Calculate SSCL at 2.5% on your quarterly or annual turnover. Applies Schedule II deemed-liable percentages by activity class and checks the Rs 15M / Rs 60M registration threshold. Sources cited.

Tax Penalty

Estimate IRD late-payment interest, default penalty, and late-filing penalty for income tax, VAT, WHT, APIT and SSCL in Sri Lanka. Cites IRA s.159, s.178, s.179. Free, no signup.

Tax Residency

Find out if you are tax resident in Sri Lanka for any year of assessment under section 69 of the Inland Revenue Act. Counts trips, the 183-day rule, and the rolling 12-month window. Free, no signup, sources cited.

TEWA Compensation

Calculate the statutory termination compensation owed to a Sri Lankan workman under the TEWA Act No. 45 of 1971 — gazetted band schedule, month and ceiling limits, eligibility checks, sources cited.

Trademark Fee

Estimate the total NIPO government fee to register a trademark in Sri Lanka — by Nice class, local vs foreign tier, with renewal cost. Sources cited, no signup.

T-Bill Calculator

Calculate the yield, interest, and after-tax return on a Sri Lankan 91 / 182 / 364-day Treasury Bill using CBSL discount-pricing conventions. Free, no signup, sources cited.

Treasury Bond

Compute Yield to Maturity, accrued interest, dirty price and the full semi-annual cashflow schedule for any Sri Lankan Government Treasury Bond. CBSL conventions, free, no signup, sources cited.

VAT Threshold

Find out instantly whether your Sri Lankan business must register for VAT. Tests both the quarterly and annual statutory limits.

Vehicle Leasing

Calculate the monthly rental, total interest, and full amortisation on a Sri Lankan vehicle finance lease. Inputs advance, term, residual, and fees, with the CBSL maximum-rate ceiling check.

Vehicle Loan LTV

Find the maximum car, van, three-wheeler, or hybrid loan a Sri Lankan bank can legally grant under CBSL LTV directions, plus the monthly EMI, total interest, and full amortisation. Sources cited.

Water Connection Fee

Estimate the one-time NWSDB new water connection cost in Sri Lanka — service deposit, connection fee, meter cost, pipe and road-crossing surcharge — itemised by category and meter size.

W&OP Pension

Estimate the monthly survivor pension a widow or dependent child of a deceased Sri Lankan public officer is entitled to under W&OP-I, W&OP-II, and PSPS-W&OP. Free, no signup, sources cited.

WHT Calculator

Work out Sri Lankan WHT or AIT on interest, service fees, rent, dividends, royalties, and non-resident payments. Free, no signup, IRD sources cited.

Workmen's Compensation

Calculate statutory workmen's compensation under the Sri Lanka Workmen's Compensation Ordinance — death, permanent total, permanent partial (Schedule II), and temporary disablement, with statutory ceilings applied automatically.

Frequently asked questions

Are these finance calculators accurate for 2026?: Yes. Each calculator cites the official source — IRD tax tables, Central Bank rates, EPF/ETF rules from the Labour Department — and carries a last-verified date. When rates change, the tool is updated and the date is bumped.
Do I need to sign up to use them?: No. Every finance tool runs in your browser with no account, no login and no ads. Your inputs are never sent anywhere.

Browse other categories

AI Tools Document Tools Image Tools Text Tools Developer Tools Health Calculators Time & Date Tools Generators Education Tools Freelance Tools Travel Tools Utility Tools