Sukanya Samriddhi Calculator
🔒 In your browserSSY maturity value after 21 years from your yearly deposit.
How it works
Estimate the maturity of a Sukanya Samriddhi Yojana (SSY) account. You deposit for 15 years and the account matures after 21 years, compounded annually. Enter your yearly deposit and the current rate.
You deposit for 15 years; the account matures after 21 years from opening. The rate (currently 8.2%) is revised quarterly by the government, and the annual deposit limit is ₹1.5 lakh.
🔒 Calculated entirely in your browser — nothing is uploaded.
🔒 Calculated in your browser: your loan, investment and salary figures are never uploaded. Interest, tax and salary structures vary by bank and employer, so treat the result as a close estimate and confirm exact figures with them.
About the Sukanya Samriddhi Calculator
This free Sukanya Samriddhi Yojana (SSY) calculator estimates the maturity value of a girl child's savings account. You deposit for 15 years and the account matures after 21 years; enter your yearly deposit and the current rate to see the final amount and interest earned.
It calculates in your browser — private and instant.
How SSY works
Sukanya Samriddhi is a government scheme for a girl child's education and marriage. You make deposits for the first 15 years, but the account keeps earning compound interest until it matures 21 years after opening — so the corpus grows for six more years even without fresh deposits. Deposits, interest and maturity are tax-free under the EEE regime, and the scheme usually carries one of the highest small-savings rates.
A worked example
Deposit ₹1,50,000 a year at 8.2% for the 15 deposit years, then let it grow to the 21-year maturity. You invest ₹22.5 lakh in deposits, and the corpus compounds well past that — with the extra six growth years adding a large chunk of tax-free interest on top of the deposit phase.
Frequently asked questions
How is Sukanya Samriddhi maturity calculated?
Deposits compound annually for the 15 deposit years, then the whole corpus keeps compounding until 21 years from opening. This tool models both phases to give the maturity value.
How long do I deposit into SSY?
You deposit for 15 years from opening, but the account matures after 21 years. In the final six years no deposits are needed — the balance simply keeps earning interest.
What is the SSY deposit limit?
You can deposit between ₹250 and ₹1.5 lakh per financial year, across one or more instalments. The calculator is most useful up to the ₹1.5 lakh limit.
Is SSY tax-free?
Yes. It follows the EEE regime — deposits qualify for a deduction, and interest and maturity are tax-free.
Is my data uploaded?
No. The calculation runs entirely in your browser.