Updated
The SSY calculator adds a yearly deposit for 15 years, compounds the balance annually at the assumed rate for the full 21 years, and shows total deposits, interest earned, the maturity year and your daughter's age at maturity. Change every input and see the estimate update immediately.
Maturity is 21 years from the account opening date.
15 years
Deposits are permitted for 15 years from opening.
21 years
The account matures 21 years from opening.
Your estimate
₹71,82,119
Estimated SSY maturity value
Amount contributed over 15 years
₹22,50,000
Estimated growth
₹49,32,119
Child's age at account maturity
26
Account maturity year
2,047
Today's purchasing power
₹21,12,659
Contributions stop after year 15; the account continues to earn the assumed rate until year 21.
Educational estimate only. Methodology 2026.08. This is not a return promise, loan offer, tax filing or financial recommendation.
Results are estimates for learning and planning only. Tax rules, interest rates and scheme terms change from time to time, and your actual figures may differ. Please talk to a qualified financial advisor or chartered accountant before making any financial decision.
Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme for a girl child, opened at a post office or authorised bank before she turns 10. Deposits are made for 15 years and the account matures 21 years after opening. This calculator estimates the maturity value from your yearly deposit and the interest rate you assume.
The SSY calculator adds a yearly deposit for 15 years, compounds the balance annually at the assumed rate for the full 21 years, and shows total deposits, interest earned, the maturity year and your daughter's age at maturity.
Worked example. Depositing ₹1.5 lakh at the start of every year for 15 years at 8.2% puts in ₹22.5 lakh and grows to an illustrative ₹71.8 lakh at maturity in year 21, of which about ₹49.3 lakh is interest. For a girl who is 2 when the account opens, it matures when she is 23.
Effective 2026-04-01. Reviewed 2026-08-10.
Review again after 2027-03-31.
Policy-linked estimates can become stale. Confirm current eligibility, rates, limits and filing treatment before acting.
No. Deposits are permitted for 15 years from opening, while the account normally matures 21 years from opening.
A new account must ordinarily be opened before the girl child reaches age 10, subject to the scheme rules.
It is an educational tool that applies the disclosed SSY projection method to the assumptions you enter.
No. Results are estimates, not forecasts, approvals, quotations or guarantees.
Testing conservative and optimistic inputs exposes uncertainty instead of hiding it behind one number.
Only when a tax or fee is shown as an explicit input or result. Otherwise it is excluded.
The mathematics follows the stated methodology, while real outcomes depend on rates, timing, rules, fees and circumstances.
No. Use it for education and scenario comparison, then verify decisions with official documents or a qualified professional.
Inflation translates a future amount into approximate present-day purchasing power. The default 6% is editable and is not a forecast.
Recalculate when rates, income, contributions, rules, goals or repayment terms change.
Yes. Institutions may use different compounding dates, rounding, charges and eligibility rules.
No. Calculations run locally in your browser and the input values are not sent to a calculation server.