Sukanya Samriddhi Yojana Calculator
Project the tax-free corpus an SSY account can build for your daughter.
Account details
SSY allows ₹250 to ₹1.5 lakh per financial year.
An SSY account can be opened any time before she turns 10.
Current rate, set by the government every quarter — not guaranteed for the full term.
Maturity value
₹23,94,040
after 21 years, when she turns 26
You deposit for 15 years; the account keeps earning interest until it matures 21 years after opening. SSY enjoys EEE tax status – deposits qualify under Section 80C, and both the interest and the maturity amount are tax-free.
Sukanya Samriddhi Yojana (SSY) is a government-backed small-savings scheme for a girl child, offering one of the highest fixed rates among such schemes plus full tax benefits. This Sukanya Samriddhi Yojana calculator — an SSY calculator that doubles as an SSY maturity calculator — estimates the corpus your account can grow into by maturity. You deposit for the first 15 years and the account keeps earning annually compounded interest until it matures 21 years after opening. Enter your yearly deposit, the girl's current age and the current interest rate, and this sukanya samriddhi calculator shows your total invested amount, total interest and final maturity value. SSY enjoys EEE tax status, so deposits qualify under Section 80C and both the interest and the maturity amount are tax-free.
How SSY maturity is calculated
You contribute for 15 years, but the account matures 21 years after opening, so the balance keeps compounding annually for the final years with no fresh deposits. The calculator compounds each yearly deposit annually until year 21 using:
A = Σ D × (1 + r)^(22 − y), for each deposit year y = 1…15
Where D is your yearly deposit and r is the annual rate. The interest rate is set by the government every quarter — currently 8.2% — and is not guaranteed for the full term, so treat the result as an estimate and update the rate whenever it changes. Deposits range from ₹250 to ₹1.5 lakh per financial year.
Frequently asked questions
What is a Sukanya Samriddhi Yojana calculator?+
A Sukanya Samriddhi Yojana calculator estimates the maturity value of an SSY account for a girl child. You enter the yearly deposit, the girl's current age and the current interest rate, and this SSY calculator compounds each deposit annually to maturity, showing your total invested amount, interest earned and final corpus.
How is SSY maturity value calculated?+
This ssy maturity calculator applies annual compounding. Deposits are made for the first 15 years, then the balance keeps compounding until the account matures 21 years after opening. Each yearly deposit grows at the annual rate for the number of years until year 21, and the maturity value is the sum of all those grown deposits.
What is the current SSY interest rate?+
The government reviews and notifies the Sukanya Samriddhi Yojana rate every quarter, so there is no permanently fixed figure. It is currently around 8.2%, but it can change from one quarter to the next. This sukanya samriddhi calculator lets you enter the current rate rather than assuming a guaranteed one — confirm the latest figure on the National Savings Institute / India Post source before you calculate.
Is SSY tax-free?+
Yes. SSY has EEE (Exempt-Exempt-Exempt) tax status. Your deposits qualify for a deduction under Section 80C up to ₹1.5 lakh a year, the interest earned each year is tax-free, and the final maturity amount is tax-free too — a rare combination that makes the sukanya samriddhi yojana calculator's projected corpus fully yours.
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