Free Online Sukanya Samriddhi Yojana Calculator for Your Daughter
Sukanya Samriddhi Yojana calculator helps Indian parents estimate the maturity amount, total interest earned, and year-wise growth of SSY investments. Plan your daughter's education and marriage fund with accurate projections based on the latest government interest rates instantly.
Calculate SSY Maturity Amount
Year-wise Growth Breakdown
| Year | FY | Deposit (₹) | Interest (₹) | Balance (₹) |
|---|
How to Use the SSY Calculator
Enter Daughter's Age
Enter your daughter's current age in years. SSY accounts can be opened for girls below 10 years of age at the time of account opening.
Enter Yearly Investment
Enter the amount you plan to invest each year. Minimum is ₹250 and maximum is ₹1,50,000 per financial year.
Set Interest Rate
Enter the current SSY interest rate. The government-set rate for 2024-25 is 8.2% per annum, compounded yearly.
Click Calculate
Click the Calculate Maturity button to instantly see your total investment, interest earned, maturity amount, and year-wise breakdown.
Copy or Download Results
Copy the results to clipboard or download as a text file for your records and future reference.
Key Features of Our SSY Calculator
100% Free Calculator
Calculate unlimited SSY scenarios without any charges, registration, or hidden fees. Always free for every Indian parent.
Accurate Projections
Uses the exact government-approved compound interest formula for precise maturity amount calculations you can trust.
Instant Calculations
Get complete 21-year projections with year-wise breakdown within milliseconds. No waiting or loading delays.
Complete Privacy
All calculations happen locally in your browser. No financial data is ever sent to any server or stored anywhere.
No Signup Required
Start calculating immediately without creating any account, providing email, or filling registration forms.
Mobile Friendly Design
Perfectly optimized for smartphones, tablets, and desktops. Calculate SSY returns anytime, anywhere on any device.
How SSY Interest is Calculated
A = P × (1 + r/100)^n Maturity = Sum of each year's deposit compounded annually until maturityCalculation Components
For example, if Ramesh opens an SSY account for his 3-year-old daughter Ananya in 2024 and deposits ₹1,50,000 every year at 8.2% interest rate, each deposit compounds independently until maturity in 2045. The first year's deposit of ₹1,50,000 earns interest for 21 years, while the 15th year's deposit earns interest for only 7 years. The total investment of ₹22,50,000 grows to approximately ₹69,27,578 at maturity, meaning Ramesh earns about ₹46,77,578 as tax-free interest. This powerful compounding effect makes SSY one of the best government-backed investment schemes for girl children in India.
SSY Calculation Examples
Maximum Investment for Newborn
Result: Total Investment: ₹22,50,000 | Maturity: ~₹69.27 Lakh
Use Case: Priya from Mumbai deposits maximum amount for her 1-year-old daughter's higher education and marriage fund.
Moderate Investment Plan
Result: Total Investment: ₹7,50,000 | Maturity: ~₹23.09 Lakh
Use Case: Suresh from Lucknow invests a moderate sum monthly for his daughter Kavya's future college education expenses.
Minimum Investment Scenario
Result: Total Investment: ₹1,80,000 | Maturity: ~₹5.54 Lakh
Use Case: Meena from a rural village near Jaipur saves ₹1,000 per month in SSY for her daughter's secure future savings.
Late Account Opening
Result: Total Investment: ₹15,00,000 | Maturity: ~₹46.18 Lakh
Use Case: Amit from Kolkata opens SSY just before the age limit for his 9-year-old daughter Riya's marriage fund planning.
What is the Sukanya Samriddhi Yojana Calculator?
The Sukanya Samriddhi Yojana (SSY) calculator is a specialized financial planning tool designed for Indian parents and guardians who want to estimate the maturity value of their SSY investments. Launched by the Government of India under the Beti Bachao Beti Padhao campaign in January 2015, SSY is a small savings scheme specifically created to secure the financial future of the girl child in India.
This calculator takes into account the unique structure of the SSY scheme where deposits are made for 15 years, but the account matures after 21 years from the date of opening. During the remaining 6 years after deposits stop, the accumulated balance continues to earn compound interest at the prevailing rate. Our calculator accurately models this two-phase structure to give you precise maturity projections.
Whether you are a salaried employee planning systematic annual investments or a business owner wanting to maximize the ₹1,50,000 yearly deposit limit, this tool helps you visualize the complete growth trajectory of your SSY investment. The year-wise breakdown clearly shows how compound interest accelerates wealth creation over the 21-year tenure, making it an invaluable planning companion for every Indian parent with a daughter. Built by the financial tools team at StoreDropship with expertise in Indian government savings schemes, this calculator reflects real-world SSY calculation methodology trusted by millions of Indian families.