Sukanya Samriddhi Yojana Calculator

Plan your girl child's future with our Sukanya Samriddhi Yojana calculator. Estimate tax-free returns with ease.

Accurate maturity projections
Tax-free returns
Visual growth charts
Girl child savings
₹
Enter annual investment (₹250 - ₹1,50,000).
Enter annual investment (₹250 - ₹1,50,000).
Years
Enter age between 0-10 years.
Enter current age of the girl child (0-10 years).
%
Enter interest rate between 1-15%.
Default is 8.2% (current SSY rate). Adjust for projections.

Estimated Returns

Invested Amount
₹0
Est. Interest
₹0
Maturity Value
₹0
Annualized Return
0%
How SSY Works
Open for Girl Child

Account can be opened for a girl child aged 0-10 years.

Annual Contributions

Invest ₹250 to ₹1.5 lakh annually for 14 years.

Tax-Free Maturity

Maturity after 21 years is tax-free under Section 80C.

Year Child's Age Invested (₹) Interest (₹) Maturity Value (₹) CAGR (%)

What is Sukanya Samriddhi Yojana?

Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme launched under the Beti Bachao, Beti Padhao campaign. It aims to secure the financial future of the girl child through regular investments with attractive, tax-free returns.

Parents or legal guardians can open an SSY account for a girl child up to age 10, with contributions allowed for 14 years and maturity after 21 years from account opening.

Did You Know?

Investing ₹1.5 lakh annually at 8.2% for 14 years can grow to over ₹54 lakhs by maturity, completely tax-free!

Benefits of SSY

Both interest earned and maturity proceeds are exempt from tax under Section 80C, making SSY highly tax-efficient.

Offers a fixed interest rate (8.2% as of 2025), higher than many other fixed-income schemes, with annual compounding.

Interest compounds annually, allowing your savings to grow significantly over the 21-year tenure.

Contribute as little as ₹250 or up to ₹1.5 lakh annually, making it accessible for various budgets.

Frequently Asked Questions

The SSY calculator uses the compound interest formula to estimate the maturity value based on annual investments, the girl child’s age, and the interest rate. It accounts for contributions up to 14 years from account opening and maturity at 21 years from account opening, with tax-free returns.

Parents or legal guardians can open an SSY account for a girl child aged 0-10 years. A maximum of two accounts per family (one per girl child) is allowed.

Yes, SSY returns are guaranteed as it’s a government-backed scheme with a fixed interest rate (currently 8.2%), revised quarterly. The calculator assumes a constant rate for projections.

Contributions up to ₹1.5 lakh per year qualify for tax deductions under Section 80C. Interest earned and maturity proceeds are completely tax-free.

Partial withdrawals are allowed after the girl child turns 18 for higher education or marriage, up to 50% of the balance. Full withdrawal is permitted at maturity (21 years from account opening) or for specific purposes.