Sukanya Samriddhi Yojana (SSY) Calculator

You enter a yearly deposit and an interest rate. The calculator assumes you deposit that amount at the start of each year for the first 15 years, adds interest once a year at a flat rate, and keeps compounding until the account matures 21 years from opening.

The default is the maximum deposit, ₹1,50,000 a year at 8.2%, the rate for October–December 2026. You deposit ₹22,50,000 in total and the projected maturity value is ₹71,82,119, of which ₹49,32,119 is interest. The government reviews the rate every quarter, so treat 8.2% for 21 years as an assumption, and test a lower rate too.

Deposits can be anything from ₹250 to ₹1.5 lakh per financial year. If you deposit monthly, enter twelve times your monthly amount; the result will be slightly higher than reality because the calculator treats the whole year's money as deposited on day one.

You stop depositing after year 15, but the account keeps earning for six more years. In the default example the balance at the end of year 15 is ₹44,75,989. With no further deposits it grows to ₹71,82,119 by year 21, so more than a third of the final value comes from those last six years.

Maturity is counted from the date you open the account, not from your daughter's age. Open it when she is 4 and it matures when she is 25; open it at birth and it matures at 21. Opening early gives you the same maturity value sooner.

All figures below come from the calculator. The 7.6% column is not a forecast; it shows what happens if the rate drifts lower over the 21 years.

A 0.6-point lower rate costs about ₹5.9 lakh at the maximum deposit. The deposit amount moves the result far more than the rate does.

Once your daughter turns 18 or passes Class 10, you can withdraw up to 50% of the balance at the end of the previous financial year for her education. The account can also be closed early for her marriage after 18.

If you opened the account at her birth and deposit ₹1,50,000 a year at 8.2%, the balance after 17 years is about ₹52,40,148, so the education withdrawal could be up to roughly ₹26,20,074. The calculator does not subtract withdrawals, so if you plan to use this, the final maturity value will be lower than shown.

• The girl must be below 10 years when the account is opened.
• One account per girl, and a maximum of two per family. A third account is allowed when the second birth is twins or triplets, or when the first birth is triplets.
• Deposits run for 15 years from opening; the account matures at 21 years.