Sukanya Samriddhi Yojana (SSY) calculator
Estimate what your Sukanya Samriddhi Yojana account could grow to. Enter how much you plan to deposit each year and see the total you invest, the interest earned, and the maturity amount — based on the current SSY interest rate of 8.2% per year.
Estimate only. Assumes the rate stays constant; the SSY rate is revised every quarter (currently 8.2%). Deposits run for 15 years; the account matures 21 years after opening.
How this calculator works
- You deposit each year for 15 years from the date the account is opened.
- The balance earns interest at the SSY rate, compounded once a year.
- The account matures 21 years after it is opened — so the balance keeps earning interest for the years after deposits stop.
- This tool assumes the rate stays the same throughout. The real SSY rate is set by the government every quarter (8.2% for April–June 2026), so your actual maturity will differ as the rate changes.
Frequently asked questions
How much can I deposit in SSY per year?
Between ₹250 and ₹1.5 lakh per financial year. You must deposit at least ₹250 each year to keep the account active.
When does the SSY account mature?
The account matures 21 years after it is opened. You deposit for the first 15 years; the balance keeps earning interest until maturity.
Is the SSY maturity amount tax-free?
Yes. SSY has EEE status — the deposit qualifies for Section 80C, and the interest and the maturity amount are both tax-free.
Will my actual maturity match this estimate?
It is an estimate. The interest rate is revised every quarter, so the real amount will move up or down as the rate changes over the years.
Next steps
See full eligibility and how to open an account on the Sukanya Samriddhi Yojana scheme page, and compare it with other options in our SSY vs PPF vs NSC guide.
This calculator gives an estimate for general information only — it is not financial advice. The SSY interest rate is revised quarterly; confirm the current rate and rules at your post office or bank, or on the official portal, before investing.