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Sri Lanka EPF Retirement Projection Calculator

See what your Employees' Provident Fund will be worth on the day you retire. It compounds the statutory 8% + 12% contributions across your whole career and shows how much of the pot is compound interest — not just money you paid in. No signup, sources cited below.

By Induwara AshinsanaUpdated Jul 10, 2026
Project your EPF at retirementSri Lanka · private sector
Projection verified · 2026-07-10
yrs

Your age today, in whole years.

yrs

Statutory minimum is 60 (Act No. 28 of 2021).

Rs

Total monthly earnings your EPF is calculated on.

Rs

Balance so far. Use 0 if you're just starting.

%

Assumed yearly raise. An estimate, not a guarantee.

%

CBSL/EPF declares this yearly (recently ~9%).

%

Statutory minimum 8%. Raise it if you top up.

%

Statutory minimum 12%.

%

Shows the pot's value in today's money.

Quick presets
EPF balance at retirement
Rs 76,920,518
Over 30 years
Total paid in
Rs 27,187,971
You: Rs 10,875,188 · Employer: Rs 16,312,782
Compound interest earned
Rs 49,732,547
64.65% of the final pot
Growth multiple
2.83×
Final balance ÷ money paid in

Money paid in vs. compound interest

Paid in
Interest
Paid in 35.35% · Rs 27,187,971Interest 64.65% · Rs 49,732,547

Balance growth curve

Age 30Age 60 · Rs 76,920,518

Year-by-year projection

AgeMonthly salaryContributionsInterest creditedClosing balance
30Rs 100,000Rs 240,000Rs 0Rs 240,000
31Rs 108,000Rs 259,200Rs 21,600Rs 520,800
32Rs 116,640Rs 279,936Rs 46,872Rs 847,608
33Rs 125,971Rs 302,331Rs 76,285Rs 1,226,224
34Rs 136,049Rs 326,517Rs 110,360Rs 1,663,101

Showing 5 of 30 years. Interest is credited annually on the opening balance (end-of-year contribution convention), so the interest column climbs as the balance grows.

What this assumes · sources cited

Contribution rates (8% employee + 12% employer) are statutory under the EPF Act No. 15 of 1958. The interest and salary-growth rates are your own assumptions — the EPF (administered by the Central Bank of Sri Lanka) declares its rate of return each year and it varies. This is a projection, not a guarantee. Verified 2026-07-10.

How it works

Your EPF account grows two ways at once: fresh contributions every month, and interest the fund credits on everything already in the account. This tool models both across your remaining career using the method set out below. Contribution rates are fixed by the Employees' Provident Fund Act No. 15 of 1958; the interest and salary-growth rates are assumptions you control.

Let Y₀ be your current monthly salary, g your annual salary-growth rate, i the assumed annual EPF interest rate, c the combined contribution fraction (8% + 12% = 0.20 by default), B₀ your current balance, and N = retirement age − current age. For each career year y = 1 … N:

  1. Salary that year (held constant within the year): Yᵧ = Y₀ × (1 + g)^(y−1)
  2. Contributions credited that year: Cᵧ = c × 12 × Yᵧ — twelve months of the combined 20%.
  3. Closing balance (interest on the opening balance, contributions added at year-end): Bᵧ = Bᵧ₋₁ × (1 + i) + Cᵧ

The projected balance is B_N. Total money paid in is B₀ + Σ Cᵧ, and total compound interest is B_N − (B₀ + Σ Cᵧ). The employee-versus-employer split of the paid-in portion follows the 8% : 12% ratio of each year's contribution.

The end-of-year convention— crediting interest on the opening balance and adding the year's contributions at year-end — is a deliberate, conservative simplification. Real EPF interest accrues on the running balance, which is slightly higher, so this projection never overstates your pot. To keep every figure trustworthy, the calculator runs the recurrence above and independently re-computes the final balance with the closed-form geometric-series identity B_N = B₀(1+i)ᴺ + Σ Cₖ(1+i)^(N−k). When the two agree to a fraction of a rupee — they always should — the result carries the “projection verified” badge.

Worked examples

Reconciled 3-year check

Rs 100,000/mo · 8% raises · 9% interest · from zero

  1. C₁ = 0.20 × 12 × 100,000 = Rs 240,000
  2. C₂ = 0.20 × 12 × 108,000 = Rs 259,200
  3. C₃ = 0.20 × 12 × 116,640 = Rs 279,936
  4. End Y1: 0 × 1.09 + 240,000 = Rs 240,000
  5. End Y2: 240,000 × 1.09 + 259,200 = Rs 520,800
  6. End Y3: 520,800 × 1.09 + 279,936 = Rs 847,608
  7. Paid in Rs 779,136 · Interest Rs 68,472

Full-career headline

Age 30 → retire 55 (25 years), same rates, from zero

  1. Salary compounds at 8%: Rs 100,000 → Rs 685,000/mo by year 25
  2. 25 years of contributions grow at 9% interest
  3. Projected EPF balance: ≈ Rs 42.6 million
  4. Total paid in: ≈ Rs 17.5 million
  5. Compound interest: ≈ Rs 25.0 million — about 59% of the pot
  6. More than half the nest-egg is interest she never contributed.

Zero-interest edge case

Same salary and raises, but interest set to 0%

  1. No interest is credited, so the pot is just the contributions.
  2. Year 1–3 contributions: 240,000 + 259,200 + 279,936
  3. Projected balance = Rs 779,136 (interest Rs 0)
  4. Confirms the compounding term vanishes cleanly at i = 0.

Frequently asked questions

Sources & references

Contribution rates and the retirement-age default were last cross-checked against these sources on 2026-07-10. The statutory 8% + 12% rates are fixed by law; the default 9% interest reflects the EPF's recent declared returns and is reviewed whenever a new annual rate is announced.

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Comments & feedback

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