Sukanya Samriddhi Calculator
Maturity value of a Sukanya Samriddhi account.
Minimum ₹250, maximum ₹1,50,000 a financial year.
8.2% for October–December 2026.
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Enter your numbers to see the result.
This Sukanya Samriddhi calculator shows how much a Sukanya Samriddhi Yojana (SSY) account will be worth when it matures. Enter your yearly deposit, your daughter’s age when you open the account and the year you start. It uses the current SSY rate of 8.2% and shows the maturity amount, the interest earned and the year the account matures.
What is a Sukanya Samriddhi Calculator?
Sukanya Samriddhi Yojana (SSY) is a government savings scheme for the girl child, launched under the Beti Bachao Beti Padhao campaign. Parents or guardians can open an account for a daughter below 10 years of age at a post office or authorised bank.
You deposit between ₹250 and ₹1,50,000 each financial year for 15 years from the date of opening. The account matures 21 years after opening, and the balance keeps earning interest in the six years between the last deposit and maturity. SSY currently earns 8.2%, one of the highest rates among small savings schemes, and the interest is tax-free.
How does the Sukanya Samriddhi Calculator work?
The calculator adds your yearly deposit at the start of each financial year for the first 15 years and compounds the balance once a year at the SSY rate. From year 16 to year 21, no deposits are made, but interest keeps compounding.
The maturity year is 21 years after the year of opening, and the girl’s age at maturity is her age at opening plus 21.
How to use the Sukanya Samriddhi Calculator step by step
- Enter your yearly deposit, up to ₹1,50,000.
- Enter your daughter’s age when the account is opened (0 to 10).
- Enter the year of opening.
- Check the SSY rate; it is pre-filled with the current rate.
- Read the maturity value, interest and maturity year.
- Use the table to see the balance each year.
Sukanya Samriddhi Calculator example with real numbers
You open an SSY account for your 2-year-old daughter in 2026 and deposit the maximum ₹1,50,000 at the start of every financial year for 15 years.
| Example input | Value |
|---|---|
| Yearly deposit | ₹1,50,000 |
| Girl's age when account is opened | 2 years |
| Year of opening | 2,026 |
| SSY interest rate | 8.2% |
| Example output | Value |
|---|---|
| Maturity value in 2047 | ₹71,82,119 |
| Total deposits (15 years) | ₹22,50,000 |
| Total interest (tax-free) | ₹49,32,119 |
| Daughter's age at maturity | 23 years |
| Last deposit year | 2040–41 |
The Sukanya Samriddhi calculator shows a maturity value of about ₹71,82,119 in 2047, when your daughter is 23. You deposit ₹22,50,000, and ₹49,32,119 comes from tax-free interest, because the money keeps growing for six more years after deposits stop.
Key features of this Sukanya Samriddhi Calculator
- Current 8.2% SSY rate pre-filled
- Deposit phase and growth phase modelled
- Maturity year and girl’s age at maturity
- Year-by-year balance table
- Tax-free interest shown
Who should use the Sukanya Samriddhi Calculator?
Who is this Sukanya Samriddhi Calculator for?
- Parents and guardians of girls under 10
- Grandparents gifting a long-term saving
- Families planning for a daughter’s higher education or marriage
- Investors comparing SSY with PPF
Practical use cases
- Finding the maturity of ₹1,000 a month (₹12,000 a year)
- Choosing between SSY and PPF for a daughter
- Planning the maximum yearly deposit
- Seeing the effect of opening the account early
Key benefits
- High safe rate: 8.2% backed by the government.
- Tax-free: interest and maturity amount are exempt.
- Clear timeline: know exactly when the account matures.
- Goal planning: match the maturity with education costs.
Tips for better results
- Open the account as early as possible; the maturity date is fixed at 21 years from opening.
- Deposit at the start of the financial year to earn a full year’s interest.
- Up to 50% of the balance can be withdrawn after the girl turns 18 or passes Class 10, for education.
- Keep the minimum ₹250 deposit going every year to avoid penalties.
Common mistakes to avoid
- Opening the account late and getting a later maturity.
- Missing the minimum yearly deposit.
- Depositing more than ₹1,50,000 a year.
- Assuming the current rate is fixed for 21 years.
Limitations of this Sukanya Samriddhi Calculator
- It assumes the current rate for all 21 years.
- It assumes deposits at the start of each year.
- Partial withdrawals and premature closure are not modelled.
Sukanya Samriddhi Calculator vs other ways to calculate
| Scheme | Rate | Term | Tax |
|---|---|---|---|
| Sukanya Samriddhi | 8.2% | 21 years from opening | Tax-free |
| PPF | 7.1% | 15 years, extendable | Tax-free |
| Child mutual fund SIP | Market-linked | Flexible | Gains taxed |
| NPS Vatsalya | Market-linked | Till 18, then NPS | Partly taxable |
For sons or for flexibility, the PPF calculator is the closest alternative. For goals like college fees at a specific date, combine SSY with a SIP using the goal planner.
Privacy and data handling
This Sukanya Samriddhi Calculator runs entirely in your browser. The numbers you type are not sent to Qorico or stored on any server, and nothing is saved after you close the page. The Copy and Download buttons create the result on your own device. If the page has analytics turned on, it may count that a calculation happened, but it does not record the values you entered.
Sukanya Samriddhi Calculator FAQs
What is the current SSY interest rate?
SSY earns 8.2% a year for October–December 2026. The rate is reviewed every quarter.
What is the maturity amount for ₹1,000 a month?
Depositing ₹12,000 a year for 15 years at 8.2% gives about ₹5.7 lakh at maturity after 21 years, of which ₹1.8 lakh is your deposits.
When can money be withdrawn from SSY?
Up to 50% of the previous year’s balance can be withdrawn for education after the girl turns 18 or passes Class 10. The account matures after 21 years.
Is SSY maturity tax-free?
Yes. Deposits qualify for a deduction under the old regime, and interest and maturity are tax-free.
How many SSY accounts can a family open?
One account per girl and up to two accounts per family, with an exception for twins or triplets.
What happens if I miss a deposit?
The account becomes irregular. It can be revived by paying ₹50 penalty for each year missed along with the minimum deposit.
Related tools
Sources and references
We checked the method and the current figures used in this Sukanya Samriddhi Calculator against these official and primary sources:
- National Savings Institute: small savings schemes
- India Post: Post Office Savings Schemes
- Department of Economic Affairs, Ministry of Finance
- Ministry of Women and Child Development
Written and reviewed by the Qorico Team
