Illustrate eligible annual contributions and maturity under editable scheme assumptions. 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.
Understanding the calculator
Sukanya Samriddhi Calculator turns the assumptions shown above into an educational estimate. It exposes the inputs, method and limitations instead of presenting an unexplained answer.
Illustrate eligible annual contributions and maturity under editable scheme assumptions. The result updates locally as an input changes, making it useful for scenario comparison rather than prediction.
Methodology
Worked example. Use the default SSY scenario as a starting point, then adjust each field to match your own assumptions.
Rule basis
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.
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