Sukanya Samriddhi Yojana Calculator

Estimate SSY deposits, interest and maturity over 21 years, with contributions during the first 15 years.

Deposit Timing

How SSY Compounding Works

  • Girl child age must be between 0 - 10.
  • You only need to deposit money for the first 15 years.
  • The account matures after 21 years (it continues to earn interest from year 16 to 21 without further deposits).
  • Interest and maturity are generally exempt under prevailing rules; contribution deductions depend on the tax regime and overall limits.

Total Maturity Value (21 Yrs)

₹

Total Invested (15 Yrs)

₹

Interest Earned

₹

* Tip: Depositing before 5th of the month (or start of the financial year) maximizes your compounding returns!

How the SSY estimate is calculated

The calculator adds monthly or yearly deposits during the first 15 years, estimates monthly eligible interest using one-twelfth of the annual rate, credits interest after each completed year, and then lets the accumulated balance grow without new deposits through year 21.

Deposit period

Contributions are modelled for 15 years, subject to the entered monthly or yearly amount.

Growth period

The balance continues to earn estimated interest until the 21-year maturity point.

Rate assumption

8.2% is held constant, although the government reviews small-savings rates quarterly.

Rate reviewed on 4 July 2026: 8.2% for July–September 2026. Actual maturity follows notified rates over the life of the account and may differ materially.

Worked SSY example

Using the page defaults—₹10,000 deposited monthly by the 5th, a constant 8.2% rate, deposits for 15 years and growth through year 21—the calculator estimates:

Total deposited
₹18,00,000
Estimated interest
₹37,46,118
Estimated maturity
₹55,46,118

Frequently asked questions

Is 8.2% fixed for all 21 years?

No. The government reviews SSY rates quarterly. The calculator uses a constant 8.2% only as a planning scenario.

Who can open an SSY account?

A guardian can generally open an account for an eligible girl child before she turns 10, subject to the prevailing scheme rules and permitted exceptions.

Does this model withdrawals or early closure?

No. It models regular deposits followed by growth to the standard maturity point. Withdrawals, early closure, missed minimum deposits and penalties are excluded.