Tools
Free banking calculators & tools
17 free tools built for Sri Lankan banking — loan installments, deposit returns, taxes and utility bills, plus AI helpers. Every tool has its own page you can share.
Most used
Loans & credit
- Loan EMI CalculatorFree EMI calculator for Sri Lankan bank loans. Enter the loan amount, interest rate and term to see your monthly installment and total interest in LKR.
- Debt Consolidation CalculatorCheck whether combining your Sri Lankan loans and credit card balances into a single loan saves money. Compare current payments against a consolidated loan.
- Loan Affordability CalculatorEstimate how much you can safely borrow from a Sri Lankan bank based on your income, expenses and existing commitments.
- Loan Eligibility CheckerAIAI-powered eligibility check for Sri Lankan bank loans and credit cards. Estimate your approval chances before you apply.
Savings & fixed deposits
- Fixed Deposit CalculatorFree fixed deposit calculator for Sri Lanka. See gross interest, 10% AIT deducted and the net amount you receive — then compare the same deposit at every bank and finance company.
- FD Ladder PlannerPlan a fixed deposit ladder with live Sri Lankan rates. Split one sum across 3 to 60-month deposits, see the best rate for each rung, interest after 10% AIT and when each part comes back.
- Savings Goal PlannerPlan how much to save each month to reach a target amount by a chosen date, with interest from a Sri Lankan savings account or FD factored in.
Tax
- Income Tax (PAYE) CalculatorEstimate your Sri Lankan personal income tax (PAYE/APIT) from your monthly salary, including variable pay and multiple employments.
- WHT on Interest CalculatorCalculate the 10% withholding tax (AIT) deducted from fixed deposit and savings interest in Sri Lanka, and your net interest after tax.
- VAT CalculatorAdd 18% VAT to a net price or extract the VAT portion from a VAT-inclusive amount. Free Sri Lanka VAT calculator with an editable rate.
Bills & money transfer
- Electricity Bill CalculatorEstimate your monthly CEB electricity bill from units used, with a per-block breakdown under the domestic tariff. Free Sri Lanka electricity calculator.
- Water Bill CalculatorEstimate your monthly NWSDB water bill from cubic meters used, with a per-block breakdown under the domestic tariff.
- Currency & Remittance ComparatorLive TT buying rates from each Sri Lankan bank's own website, updated through the day: see how many rupees your transfer becomes at each bank, after fees.
AI assistants
- Voice SearchAISearch Sri Lankan banking products by voice — say 'home loans under 8 percent' and get matching products instantly.
- Document ParserAIUpload a bank letter, payslip or statement and let AI extract the key figures — rates, balances, salary components — in seconds.
- AI Product CompareAILet AI compare two Sri Lankan banking products side by side and explain in plain language which is better for your situation.
- Multi-language AssistantAIGet answers about Sri Lankan banking in Sinhala, Tamil or English — rates, products, eligibility and processes explained in your language.