Sukanya Samriddhi Yojana Calculator
See what your daughter's SSY account will be worth at maturity — deposits run for 15 years, the account matures after 21 years, with a full year-by-year interest schedule.
Account details
Amount you invest each year. Min ₹250, max ₹1,50,000.
An account can be opened up to age 10.
The year the account was (or will be) opened.
Government-set rate, compounded annually. Default 8.2%.
Year-by-year growth schedule
Deposits are made in years 1–15; the balance then keeps compounding through year 21, when the account matures.
| Year | Deposit | Interest | Balance |
|---|
How this works
Sukanya Samriddhi Yojana is a government small-savings scheme for a girl child, offering a high, tax-free return over the long term.
Deposit for 15 years
You add between ₹250 and ₹1,50,000 each year for 15 years from when the account opens. Depositing early in the year lets interest work harder.
Interest compounds yearly
The whole running balance earns the government rate (about 8.2%) every year, and that interest is added back to the balance to compound.
Matures at 21 years
After the 15 deposit years, the balance keeps growing for 6 more years. The account matures 21 years after opening and the full amount is tax-free.
The rules we apply
Each year we add your deposit (for years 1–15), then apply interest to the whole balance. From year 16 to 21 no deposit is made but the balance continues to compound until maturity.
Worked example
Deposit ₹1,50,000 a year at 8.2%. Over 15 years you invest ₹22,50,000, and by the 21st year it grows to roughly ₹71.8 lakh — the extra (about ₹49.3 lakh) is entirely tax-free interest.
This is an estimate for planning. The government revises the SSY interest rate every quarter, so your actual return will vary as the rate changes over the 21-year term. Confirm the current rate and rules with your post office or bank before investing.
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