📊 Tax & Payroll
EPF & ETF Calculator — Employer & Employee Contributions
Calculate monthly EPF (employee + employer) and ETF contributions on a Sri Lankan salary.
Employee EPF
LKR 12,000
Employer EPF
LKR 18,000
Employer ETF
LKR 4,500
Total EPF credited /month
LKR 30,000
Total cost to employer
LKR 172,500
Annual EPF total
LKR 360,000
How this is calculated
Employee EPF = Gross × 8%. Employer EPF = Gross × 12%. Employer ETF = Gross × 3%.
Total EPF credited to your account each month = Employee + Employer EPF. ETF is a separate fund fully paid by the employer.
Frequently asked questions
What are EPF and ETF?
The Employees' Provident Fund (EPF) is a retirement fund. The Employees' Trust Fund (ETF) is a separate social security fund. Both are mandatory for most private-sector employees in Sri Lanka.
Standard EPF & ETF rates
Employee contributes 8% of gross salary to EPF. Employer contributes 12% to EPF plus 3% to ETF. Rates are editable above in case they change.
Is EPF/ETF deducted from taxable income?
Employee EPF is typically deducted before PAYE is calculated. ETF is paid by the employer and doesn't reduce your take-home.
Can I withdraw EPF?
EPF can normally be withdrawn on retirement, permanent migration, or under specific conditions such as marriage or housing. Check EPF Sri Lanka for the latest rules.
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Results are indicative estimates only. Actual rates, taxes and fees vary by institution and change over time. Confirm figures with your bank, employer or a qualified financial advisor before making decisions.