Sukanya Samriddhi Yojana Calculator
Estimate the maturity value of an SSY account opened for a girl child.
SSY's interest rate is set by the government every quarter (8.2% has been common in recent years) — verify the current rate on the official India Post / NSI website. Contributions are required only for the first 15 years from account opening; the balance then continues earning interest until the account matures 21 years after opening (or on the girl's marriage after age 18, if earlier).
How this works
Deposits are made yearly for 15 years from account opening. After that, no further deposits are made, but the accumulated balance keeps earning interest until maturity at 21 years from opening. This calculator simulates that year-by-year: 15 years of deposit + compounding, then 6 more years of compounding alone.
Frequently asked questions
Is SSY interest taxable?
No — like PPF, SSY is an EEE instrument: contributions, interest, and maturity proceeds are all tax-free under current rules.
What if my daughter is already older than a few years?
You can open an SSY account any time before the girl turns 10 — the 15-year contribution period and 21-year maturity are both counted from the account opening date, not her birth.