Work out your EPF and ETF contributions in Sri Lanka. Your employer deducts 8% EPF from your pay, adds 12% EPF of its own, and pays 3% ETF on top — so 23% of your earnings goes into your retirement funds every month. Only the 8% comes out of your salary.
EPF and ETF are calculated on total earnings (basic salary plus fixed allowances). Overtime is usually not included.
Your EPF (8% — deducted)
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Your take-home pay (before tax)
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Contribution
Rate
Monthly (LKR)
Yearly (LKR)
Employee EPF (deducted from your pay)
8%
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Employer EPF (paid by your employer)
12%
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Employer ETF (paid by your employer)
3%
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Total into your retirement funds
23%
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Estimates only, at the standard statutory rates (employee EPF 8%, employer EPF 12%, employer ETF 3%). Income tax (APIT/PAYE) is not included — your final take-home pay will be lower if tax applies. Confirm your case with your employer or the Central Bank of Sri Lanka.
How to Use
Enter your total monthly earnings — basic salary plus fixed allowances (not overtime).
Press Calculate EPF & ETF.
See your 8% deduction, what your employer adds, and the total going into your funds every month and year.
How EPF and ETF Work in Sri Lanka
EPF (Employees' Provident Fund) — a retirement savings fund run by the Central Bank of Sri Lanka. You pay 8% and your employer pays 12%, so 20% of your earnings goes into your EPF account each month.
ETF (Employees' Trust Fund) — your employer pays another 3% into the Employees' Trust Fund Board. Nothing is deducted from your salary for ETF.
Example: on Rs. 100,000 a month, you pay Rs. 8,000, your employer pays Rs. 12,000 EPF + Rs. 3,000 ETF — Rs. 23,000 in total goes into your funds, and your pay before tax is Rs. 92,000.
Contributions for a month must be paid by the last working day of the following month.
Frequently Asked Questions
How much EPF is deducted from my salary?
8% of your total monthly earnings (basic salary + fixed allowances). On Rs. 100,000 that is Rs. 8,000 a month.
Does my employer pay anything extra?
Yes — 12% EPF and 3% ETF, both on top of your salary. Your employer never deducts these from your pay.
Is overtime included in EPF?
Usually no. EPF and ETF are calculated on basic salary plus fixed allowances; overtime is generally excluded.
Is this take-home pay after tax?
No — this is your pay after the 8% EPF deduction only. Income tax (APIT/PAYE) is separate and depends on your total salary.