Sukanya Samriddhi Yojana Calculator
Estimate the maturity value of a Sukanya Samriddhi Account using your yearly contribution, interest rate, and investment period. See your total deposits, estimated interest, and projected maturity amount in one place.
SSY Calculator
Enter the amount you expect to deposit each year and the interest rate you want to use for your estimate.
Estimated maturity value
Rate used
8.20%
Total deposits
₹0
Estimated interest
₹0
Annual deposit
₹0
Deposit years
0 years
Deposits vs. estimated interest
Year-by-year estimate
Approximate| Year | Deposit | Interest | Balance |
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What is the Sukanya Samriddhi Yojana?
Sukanya Samriddhi Yojana, commonly called SSY, is a government-backed small savings scheme designed for the benefit of a girl child. A guardian can open the account in the name of an eligible girl and make deposits during the permitted contribution period. The account can then continue to earn interest until its maturity period.
The scheme is often used as a long-term savings option for future education, marriage, or other financial goals for a daughter. Because the contribution period and maturity period are different, it can be useful to separate the amount you deposit from the number of years the money remains invested.
This calculator helps you make that distinction. You can enter an annual contribution, an interest rate, the number of contribution years, and the total investment period. The result estimates how the balance could grow over time.
How the SSY calculator works
The calculator uses an annual compounding model to provide a simple estimate. It adds the selected annual contribution during the contribution period and applies the selected annual interest rate to the growing balance. Once contributions stop, the existing balance continues to grow through the remaining maturity period.
Your annual contribution is added for the number of years selected.
The calculator applies the selected annual interest rate to the estimated balance.
After contributions end, the balance is projected forward to the selected maturity period.
Sukanya Samriddhi Yojana rules to know
India Post currently lists several important features of the Sukanya Samriddhi Account. These rules are separate from the mathematical estimate produced by this calculator.
Scheme rules and interest rates are subject to the applicable Government of India notifications and rules. Check the latest official information before making a financial decision.
Example of an SSY calculation
Suppose you plan to deposit ₹1,00,000 each year and use an 8.2% annual interest rate for your estimate. If contributions are made for 15 years and the account is projected over 21 years, the calculator separates the total amount you deposited from the estimated interest generated by the growing balance.
The example is intended to explain the calculation rather than predict the exact amount that will appear in an actual account. Deposit dates, official interest rates, and scheme rules can affect the actual result.
Why use an SSY maturity calculator?
Plan yearly savings
Compare different yearly contribution amounts and see how they change the projected maturity value.
Separate deposits from interest
The result shows how much you contribute and how much of the projected balance comes from estimated interest.
Compare interest rates
Change the rate field to see how a different assumed rate affects long-term growth.
Understand long-term growth
The year-by-year table makes it easier to see how contributions and estimated interest build the projected balance over time.
Sukanya Samriddhi Yojana Calculator FAQs
What is the Sukanya Samriddhi Yojana calculator?
It is an online estimation tool that projects the future value of contributions made to a Sukanya Samriddhi Account using a selected interest rate and investment period.
What interest rate does this calculator use?
The calculator starts with 8.20% per year, which is the rate currently listed by India Post for the Sukanya Samriddhi Account. You can change the rate manually because government small-savings rates may be revised.
How long can I make SSY deposits?
Under the scheme rules, deposits can be made until completion of 15 years from the date the account was opened. The account can continue until its maturity period.
When does a Sukanya Samriddhi Account mature?
The standard maturity period is 21 years from the date of account opening.
What is the maximum SSY deposit in a financial year?
The maximum amount that can be deposited in one financial year is ₹1,50,000 under the scheme rules.
Is this calculator an official government calculator?
No. This is an independent estimation tool from AllCalculator. It is designed to help with planning and does not replace an official account statement or calculation from the relevant bank or post office.
Why can my actual SSY amount be different?
Actual results can differ because the applicable interest rate may change, deposits can occur on different dates, and the official scheme calculates interest according to its specific rules. This calculator uses a simplified annual model for estimation.
Does AllCalculator store my SSY calculation?
The calculator performs its calculations in your browser using JavaScript. No account or sign-in is required to use the calculator.
Financial information disclaimer
This calculator provides an estimate for educational and planning purposes. It is not financial, tax, investment, or legal advice. Government savings scheme rules and interest rates can change. Verify the applicable rate, deposit rules, maturity conditions, tax treatment, and other requirements with an official source before making financial decisions.