SSY Calculator
Estimate the maturity corpus of your Sukanya Samriddhi Yojana account — 15 years of deposits, 21‑year tenure.
Maturity Amount
Total Deposited
Total Interest
Deposits must be made for 15 years from account opening. Maturity after 21 years. Interest compounds annually at the start of year deposit.
How to Use SSY Calculator
- Enter the yearly deposit amount (between ₹250 and ₹1,50,000) and the girl’s current age (0–10 years).
- Set the interest rate (default 8.2%) and click Calculate.
- The tool computes deposits for 15 years and interest compounding annually for the full 21‑year tenure — with no deposits in years 16–21.
- See the maturity amount, total deposited, and total interest. Toggle the year‑wise table to view the growth year by year.
Benefits of SSY Calculator
- Accurately models the 21‑year SSY tenure: 15 years of deposits followed by 6 years of pure interest growth.
- Year‑wise table reveals the power of compound interest — motivating parents to invest early and maximise the final corpus.
- Handles the full deposit range (₹250 to ₹1.5L) so you can plan small or large contributions based on your budget.
- Completely offline‑capable after loading; your financial data stays private on your device.
Frequently Asked Questions
What is the current interest rate for Sukanya Samriddhi Yojana?
The rate is 8.2% per annum, compounded yearly. The government revises it quarterly, so you can adjust the rate in the calculator to see different outcomes.
Can I deposit more than ₹1.5 lakh per year in SSY?
No, ₹1,50,000 per financial year is the maximum allowed. Deposits above this limit are not accepted and do not earn interest.
What happens if I miss a yearly deposit?
The account becomes discontinued but can be revived by paying a penalty of ₹50 per default year along with the minimum deposit of ₹250. The calculator assumes all 15 deposits are made on time.
Is SSY Calculator free and private?
Yes — it is 100% free, needs no sign-up, and everything runs in your browser; your data never leaves your device.