Sukanya Samriddhi Yojana (SSY) Calculator

Calculate SSY maturity amount for free. Enter yearly deposit and girl child\'s age to see total corpus at maturity and interest earned. No account needed.

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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SSY Calculator

Sukanya Samriddhi Yojana Calculator

Estimate maturity returns, interest accrued, and tax-free balances for SSY accounts under current statutory government rules.

Local SSY Projection
STEP 01

Set Annual Deposit

Provide your yearly contribution amount, up to the statutory maximum of ₹1.5 Lakhs.

STEP 02

Select Girl's Age

Enter the current age of your girl child, which must be under 10 years at account opening.

STEP 03

Verify Interest Rate

Verify or adjust the active annual interest rate set by the government (updated quarterly).

STEP 04

Check Maturity Wealth

Review the projected maturity amount, total deposited principal, and total interest wealth gained.

Your Privacy Matters

All processing stays in your browser

No Server Uploads

Files never leave your device

Auto-Cleared

Data removed when you close

SSY Features

Key Capabilities

Statutory Calculator

Accurate 15-Year Rule simulation

Simulates the mandatory 15-year payment timeline and the subsequent interest-only growth period up to maturity at 21 years.

Government Interest Rates tracker

Keeps compounding math aligned with standard government-designated interest schedules, permitting customization if rates change.

Maximum Contribution capping

Alerts or bounds inputs according to the statutory ₹250 minimum and ₹1.5 Lakhs maximum thresholds to prevent calculation errors.

Yearly Amortization breakdowns

Provides a clean year-by-year list of opening balances, additions, interest earned, and closing balances for deep analysis.

100% Client-Side Privacy

Your family's financial planning details, annual deposits, child's age, and projected maturity returns are processed purely in your browser sandbox. No server uploads occur, and no database tracking, profiling, or logging is active.

Support

SSY Questions

Quick help
Q1 Who is eligible to open a Sukanya Samriddhi Yojana (SSY) account?
The account can be opened by natural or legal guardians in the name of a girl child from her birth till she attains the age of 10 years. A maximum of two accounts are allowed per family (three in case of twins/triplets).
Q2 What is the tenure and payment period of an SSY account?
Deposits must be made for 15 years from the date of account opening. The account matures after 21 years from the date of opening, during which it continues to earn interest even if no deposits are required in the final 6 years.
Q3 Can partial withdrawals be made from the SSY account?
Yes, partial withdrawal of up to 50% of the balance at the end of the preceding financial year is allowed for the girl's higher education after she attains the age of 18 or passes the 10th standard.
Q4 What are the tax benefits under the SSY scheme?
SSY features the Exempt-Exempt-Exempt (EEE) tax status: deposits qualify for deductions under Section 80C, annual accrued interest is completely tax-free, and the final maturity payout is exempt from income tax.
Q5 Are my SSY savings inputs or child's details uploaded to the server?
No. All computations, government interest splits, and child age milestones are calculated fully offline inside your browser sandbox. No parameters are uploaded, tracked, or sent to external servers.