Sukanya Samriddhi Yojana (SSY) Calculator
Project the maturity value of a Sukanya Samriddhi account from yearly deposits and the interest rate.
Runs in your browser. Your files never leave your device. See how to check
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How to do it
- 1Step 1: Open Sukanya Samriddhi Yojana (SSY) Calculator and add your input
Type your numbers or text, add your file, or pick the options you need. Nothing is uploaded: everything stays in your browser.
- 2Step 2: What Sukanya Samriddhi Yojana (SSY) Calculator does
Project the maturity value of a Sukanya Samriddhi account from yearly deposits and the interest rate.
- 3Step 3: Read the result and compare
The result appears at once. Change one value to see how the answer moves, then keep the figure that fits your case.
- 4Step 4: Copy or save it
Copy the result or download it. For an important decision, confirm it with the official source or an adviser.
About this tool
Enter the yearly deposit (up to ₹1.5 lakh), the interest rate and your daughter's age. The calculator shows the total deposits over 15 years, the interest earned and the maturity value at 21 years.
How the scheme works
A Sukanya Samriddhi account can be opened for a girl under 10. Deposits can be made for 15 years, from ₹250 to ₹1.5 lakh a year. The account matures 21 years after it is opened.
The model
The tool assumes one deposit at the start of each year for 15 years and compounds the balance yearly at the rate you enter until year 21. In reality the post office works out interest monthly on the lowest balance between the 5th and the end of the month, so the result is slightly different.
Interest rate
The government sets the rate every quarter. It was 8.2% in 2025. The interest is tax free under the Exempt-Exempt-Exempt (EEE) rule and deposits qualify under section 80C of the old regime.
Worked example
Depositing ₹1.5 lakh a year for 15 years at 8.2% gives ₹22.5 lakh paid in and a maturity value of about ₹71.8 lakh at year 21, of which about ₹49.3 lakh is interest.
Tips for best results
Check every box before you rely on a result, because one wrong digit changes the whole answer. Use the exact figures from your payslip, bill, certificate or contract, and keep a note of the date you calculated. Rates, thresholds and rules change from time to time, so for tax, fees and legal matters treat the output as an estimate and confirm with the official source named on this page. You can run as many scenarios as you like; nothing is saved or sent, and refreshing the page clears the boxes.
Quick facts
- Category: UK & US
- Works in your browser, no sign-up, no upload.
- Your input stays on your device.
- Available in English.
- Content last reviewed:
- Official source: Income Tax Department India
Frequently asked questions
How long do I deposit?
For 15 years from opening the account. No deposits are accepted after that, though interest continues until maturity.
Is the interest taxable?
No. Interest and maturity amount are tax free.
What if the rate changes?
Run the tool with different rates; the government revises it every quarter.
Can I withdraw earlier?
Partly for education after the girl turns 18.