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Retirement Calculator: Sri Lanka

Project your retirement savings year by year, in today’s money after inflation, with the income a 4% withdrawal supports and your financial-independence age.

Reviewed by CentExactRates effective 1 sourceCalculated in your browser. Shared links include inputs.

Sri Lanka: the highest assumptions here, and the widest gap between them

EPF and ETF provide part of retirement income and are not modelled here. Contributions to both are compulsory for private-sector employees, so if you include them in the contribution figure on this page, do not also count their eventual balance as reducing your income target.

Sri Lanka carries the highest assumptions on the site: an 11% nominal return against 6% inflation. That works out at a real return of 4.72% a year, (1.11 ÷ 1.06) − 1, which is a little above most of the site and a little below Sweden's, but the headline balances the chart shows are close to meaningless read on their own. Over 30 years, 6% inflation divides a balance by 5.74, so a projected LKR 100 million is about LKR 17.4 million in today's money.

Read the lower line. It is the only one that answers the question you are asking, and in a high-inflation currency the difference between the two is not a detail but most of the number.

The minimum retirement age for private-sector employees was raised to 60 in 2021, which is where the retirement age on this page opens.

For how the calculation works, the formula behind it and what it leaves out, see the full guide. For help interpreting a result or comparing it with a quote or statement, read the questions and answers.

Data sources

Sri Lankan consumer finance conventionsCentral Bank of Sri LankaWithin its effective period

Every document each dataset was read from, its notes and how the figures were checked are listed in the guide's data sources.

This calculator in other countries

Each country has its own rates, thresholds and rules, and its own page that runs the calculator on them and cites the official sources they came from.

CentExactCalculator publisher

CentExact publishes the calculation method, worked examples and available data sources. Automated checks cover reference calculations; they do not certify a result for your circumstances or imply approval by a lender or tax authority.

How we build and test our calculators

This calculator is for general information only and is not financial advice. Results are estimates based on the figures you enter and the stated formula; lenders and providers may round or calculate differently. Check any decision with the institution involved or a qualified adviser.