Sukanya Samriddhi Yojana (SSY) Calculator

Plan your daughter's future with the SSY calculator. Estimate maturity amount, interest earned, and annual contributions.

Investment Details

1,00,000
Min: ₹250, Max: ₹1,50,000 per year
5 Years
Age at account opening (0-10 years)
8.2 %
Interest rate is subject to change quarterly by government.

Maturity Amount

0

Total Investment

0

Total Interest Earned

0

Year-wise Growth (Investment & Interest)

Year Age of Girl Child Investment Made Interest Earned Closing Balance
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Savings Planner

Calculate Sukanya Samriddhi Yojana (SSY) Returns

Estimate your daughter's future education and marriage corpus. Model statutory 15-year deposit terms, 21-year maturity lock-ins, and compound interest returns.

1

Enter Child's Age

Input your daughter's age (must be 10 years or younger to open an account).

2

Input Annual Savings

Enter your planned annual contribution (capped between ₹250 and ₹1.5 Lakhs).

3

Set SSY Interest Rate

Provide the current government-regulated interest rate percentage.

4

Review SSY Maturity

Analyze the maturity corpus, tax savings, and year-by-year compounding logs.

Guaranteed Government Returns
EEE Tax Exemptions
100% Private local parsing
Layout Grid

Official SSY compounding rates & statutory timelines

Official Compounding Rates

Applies statutory SSY rates, compounding interest once annually on financial year balances.

15-Year Deposit / 21-Year Maturity

Accurately tracks standard 15-year deposit schedules and models the subsequent 6-year compounding lock-in.

EEE Tax Exemption Splits

Highlights EEE tax status where principal deposits, accrued interest, and maturity values are tax-free.

Annual Statements

Maps out yearly statements, detailing opening balance, deposits, interest earned, and closing balances.

Secure Sandbox Calculations

All data processing is run locally on the client thread, preventing any transaction data leaks.

SSY FAQs

Frequently Asked Questions

1 What is Sukanya Samriddhi Yojana (SSY)?
Sukanya Samriddhi Yojana is a government-backed savings program in India launched under the "Beti Bachao, Beti Padhao" campaign. It encourages parents to build a dedicated financial pool for the higher education and marriage of their girl child.
2 What are the deposit and maturity periods?
You make deposits for a maximum of 15 years from the date of opening the account. The account matures upon completion of 21 years from the date of its opening. During the remaining 6 years, the balance continues to earn interest without requiring any deposits.
3 What is the "EEE" tax status for SSY?
SSY carries standard EEE (Exempt-Exempt-Exempt) tax privileges under Section 80C. (1) Annual deposits up to ₹1.5 Lakhs are tax-exempt, (2) the interest earned compounds tax-free, and (3) the maturity corpus is completely tax-exempt at withdrawal.
4 Is premature withdrawal allowed from an SSY account?
Yes. A partial withdrawal of up to 50% of the account balance is permitted after the girl child reaches 18 years of age or completes 10th grade, specifically to fund higher education expenses.
5 Are my child's savings numbers private?
Yes. All ages, contribution schedules, rates, and projected balances are calculated locally inside your browser thread sandbox. No investment variables are sent or recorded on external databases.