Sukanya Samriddhi Yojana Calculator
Calculate maturity value with monthly/yearly deposits
Advanced options
180 monthly deposits over 15 years, then 6 years growth. Total 21 years.
The Sukanya Samriddhi Yojana calculator is an essential tool for parents planning their daughter’s financial future. This free online SSY calculator helps you estimate exactly how much your investments will grow over 21 years at the current 8.2% interest rate.
How to Use This Sukanya Samriddhi Yojana Calculator
Using our Sukanya Samriddhi Yojana calculator is straightforward. Follow these steps for accurate projections:
- Choose your deposit mode — select yearly for lump-sum deposits or monthly for SIP-style investing
- Enter your deposit amount — anywhere between ₹250 and ₹1,50,000 per year
- Set your daughter’s age — she must be below 10 years to be eligible
- Adjust the interest rate — the default 8.2% reflects the Oct–Dec 2026 quarter rate
- Explore advanced features — compare with PPF, estimate tax savings, view year-by-year growth
Sukanya Samriddhi Yojana Calculator Formula Explained
Our Sukanya Samriddhi Yojana calculator uses the same formula as leading financial calculators. Your yearly deposit is split into 12 equal monthly deposits. Each monthly deposit compounds at the effective monthly interest rate derived from the annual 8.2% rate.
Deposits are made for the first 15 years (180 monthly deposits). After that, the accumulated corpus continues to earn interest for 6 more years until maturity at 21 years from account opening.
For example, if you deposit ₹1,00,000 every year at 8.2%, the Sukanya Samriddhi Yojana calculator shows a maturity value of approximately ₹46.19 lakh — that’s ₹15 lakh of your own deposits plus ₹31.19 lakh earned as interest.
SSY vs PPF: Which Gives Better Returns?
One unique feature of our Sukanya Samriddhi Yojana calculator is the built-in PPF comparison. SSY offers 8.2% while PPF offers 7.1% (2026 rates). On a ₹1 lakh yearly deposit, SSY gives you approximately ₹46.19 lakh versus PPF’s ₹27.10 lakh — a difference of over ₹19 lakh!
This makes SSY the clear winner for eligible girl children. The calculator’s visual comparison bars make this difference instantly clear.
Tax Benefits Calculated Automatically
The Sukanya Samriddhi Yojana calculator includes a tax savings estimator. Select your tax slab to see how much you’ll save through Section 80C deductions over 15 years. For someone in the 20% slab depositing ₹1.5 lakh yearly, that’s ₹4.5 lakh in total tax savings.
Remember, SSY enjoys EEE (Exempt-Exempt-Exempt) status — deposits qualify for 80C deduction, interest is tax-free, and the maturity amount is completely tax-free. Learn more about SSY on the official India Post website.
Plan Your Daughter’s Future Today
Don’t wait — your daughter must be below 10 years old to open an SSY account. Use the Sukanya Samriddhi Yojana calculator above to find your ideal deposit amount, then visit your nearest post office or authorised bank to open the account.
For complete details on eligibility, documents required, withdrawal rules, and step-by-step account opening process, read our comprehensive Sukanya Samriddhi Yojana 2026 guide. You can also explore more tax-saving schemes on our site.
Official SSY rules and notifications are published by the Department of Financial Services, Ministry of Finance.
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What is Sukanya Samriddhi Calculator?
Sukanya Samriddhi Calculator is a free online calculator that calculate Sukanya Samriddhi Yojana maturity value. Enter your numbers, and it instantly shows the full breakup, with no sign-up, no app, and everything working right in your browser. It also shows a colourful chart of the breakup, so you can see at a glance how much is your own money and how much is growth or interest.
You can change any value to compare scenarios side by side, which makes it easy to plan before you commit to a real decision.
Key Features
- Instant results, with the full breakup shown on page load
- A colourful donut chart showing invested money versus tax-free interest
- Year-by-year growth table for all 21 years: invested, balance and interest every year
- Annual step-up with the ₹1,50,000 scheme cap enforced and noted
- Partial withdrawal estimate at age 18 (50% of the previous year balance)
- Inflation-adjusted maturity value in today’s money
- 80C tax-saved estimate with your slab (5%, 20% or 30%)
- Monthly or yearly deposit modes, with the yearly slider reaching exactly ₹1,50,000
- Free, no sign-up, works on mobile and desktop
How to Use Sukanya Samriddhi Calculator
- Enter your values in the fields shown on the page.
- Tap Calculate, or just change a value, since most calculators update automatically.
- Read the result cards and the donut chart.
- Adjust the values to compare different scenarios.
How to Read the Result
Start with the headline numbers, then look at the breakup: your own contribution versus the growth or interest on top of it. The chart makes the split obvious, and changing one input at a time shows you exactly which factor moves the result most.
Frequently Asked Questions
Is this calculator free?
Yes. It is completely free, with no sign-up and no hidden charges.
Are the results exact?
The results use standard formulas and the values you enter. Actual bank or scheme results can differ slightly because of rounding and official rules.
Do I need to sign up?
No. Everything works directly in your browser, with no account needed.
