🌴 Planning
Retirement Calculator — Plan Your Retirement Corpus
Project your retirement corpus and see whether your current savings pace will get you there.
Years until retirement
30
Projected corpus (today's LKR)
LKR 14,704,181
Target corpus (25× expenses)
LKR 45,000,000
Shortfall
LKR 30,295,819
Monthly saving needed
LKR 65,955
How this is calculated
The calculator uses your real return (return minus inflation) so results stay in today's rupees.
Target corpus assumes the 4% rule: you need 25× your annual retirement expenses to sustain them indefinitely.
Frequently asked questions
How much do I need to retire in Sri Lanka?
A common rule of thumb is 25× your expected annual retirement expenses (the '4% rule'). Adjust for inflation, healthcare costs and lifestyle.
What return rate should I assume?
Long-term diversified portfolios in Sri Lanka have varied widely. A conservative real return of 4–6% (after inflation) is a reasonable planning number.
Does this include inflation?
Yes. Enter your expected annual return and expected inflation rate — the calculator uses the real return to keep results in today's rupees.
What about EPF?
If you're an employee, your EPF balance also contributes to your retirement corpus. Add it to your current savings above.
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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.