The Salli Ledger · Blog

Money, tax & clarity plainly.

Straight-talking guides on Sri Lankan tax, everyday money, and building wealth, no jargon, no guesswork.

Featured · Product

Ask Claude or ChatGPT about your own finances, with real numbers

Connect any MCP client to your Salli account and your assistant can read your actual ledger, tax position and Freedom projection instead of guessing.

Jul 2026/6 min read
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Two papercraft cable connectors meeting and joining at a vermilion coupling
An isometric papercraft calendar grid with a single date raised in vermilionTax

Filing is open for YA 2025/26. You have until 30 November 2026

The IRD opened e-filing on 7 July 2026. Here is every date that still matters, what being late actually costs in rupees, and the deadline most people don't realise they already missed.

Jul 2026/9 min read
Two papercraft staircases side by side, one taller with more steps than the otherTax

The 2025/26 tax change is worth LKR 246,000 a year to you. Here's the arithmetic

The personal relief jumped 50% and the 12% band disappeared. What that is worth to you in rupees, at four income levels — and why the saving stops growing past LKR 5M.

Jul 2026/8 min read
A row of papercraft smartphones, one taller than the rest with a vermilion screenProduct

Every Sri Lankan money app compared — and the one thing none of them do

A straight comparison of what is available in 2026, including where each one stops short, and why none of them can tell you your net worth.

Jul 2026/9 min read
A papercraft laptop with a folded paper form sliding into the screenTax

Filing your Sri Lankan tax return online: the whole process, screen by screen

E-filing is mandatory and the portal is open. What to gather first, every step in order, and the points where people get stuck.

Jun 2026/10 min read
A papercraft road forking into two paths, one cream and one vermilion, with a marker post at the splitTax

APIT or AIT: if you don't claim these credits, you pay your tax twice

Both are tax already withheld in your name. Neither is refunded automatically — you have to claim them on your return, and one of them just changed rate.

Mar 2026/7 min read
An open papercraft ledger with a vermilion ribbon bookmark and pages lifting awayTax

Am I paying more tax than I have to? The five levers that decide

Every reducible part of a Sri Lankan personal tax bill, in one place: relief, bands, qualifying payments, withheld credits, and the foreign-income route.

Feb 2026/8 min read
A papercraft balance scale, perfectly level, an identical vermilion cube in each panMoney basics

Why your expense tracker can never tell you what you are worth

Tracking income and expenses records what moved. It cannot tell you what you own or owe. That gap is why 500-year-old bookkeeping still matters.

Jan 2026/7 min read
A papercraft bank building linked by a vermilion arrow to a folded cream envelopeForeign income

The 15% foreign income rule only saves you money above LKR 5.37M

Everyone knows about the 15% concession. Almost nobody knows it is a maximum rate, not a flat one — so below a specific income it saves you nothing, and above it, it is worth over a million rupees a year.

Jan 2026/8 min read
A layered papercraft contour mountain with a path winding up to a vermilion flag at the summitFIRE

Saving 20% takes 37 years. Saving 50% takes 17

Your salary does not appear anywhere in the calculation for when you become financially independent. Only the share you keep does — and the relationship is far steeper than most people expect.

Dec 2025/8 min read
A solid charcoal papercraft calculator beside a thin, hollow, empty paper speech bubbleProduct

Our AI is not allowed to do arithmetic. That is the feature

Language models are confidently wrong about numbers. Here is the architectural rule that keeps an invented figure from ever reaching your tax return.

Dec 2025/6 min read
A tall papercraft tower of stacked blocks beside a small tight spiral of rolled paperMoney basics

Paying your debts in the wrong order costs you real money

Same debts, same monthly payment, two orderings — and a measurable difference in the interest you hand over before you are free.

Nov 2025/8 min read

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