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Sukanya Samriddhi Calculator

Project the maturity of a Sukanya Samriddhi Yojana account with a full schedule.

Best for: Use it to plan savings for a daughter's education or marriage, or to compare SSY with PPF.

Complete guide
See benchmark ranges Why this result happened View assumptions
Currency / Country:

Input

Result

Estimate

Maturity value (after 21 years)

₹71,82,119

+219.2% total gain
Total invested
₹22,50,000
Interest earned
₹49,32,119
Invested 31.3%Gains 68.7%

What your numbers show

  • You invested ₹22,50,000, and it grew to ₹71,82,119 — a 219.2% total gain.
  • 68.7% of your final corpus is investment growth rather than your own contributions — that is compounding doing the work.
Standard formula Private — runs in your browser, no account

What to do next

Next: SSI Payment Calculator
Most users next calculate
PPF CalculatorEPF Calculator
More about this result
Result quality
Type
Government / Standard
Method
Official / government standard
Confidence
High

Uses an official government, statutory or medical standard (e.g. tax rules, WHO ranges).

What this means

The maturity amount is tax-free and typically larger than PPF for the same deposit, thanks to a higher rate. Deposits qualify for 80C.

What impacts this result most?
  1. 1.
    Annual depositHigh impact

    Larger deposits build a bigger tax-free maturity.

  2. 2.
    Interest rateHigh impact

    The SSY rate compounds yearly.

  3. 3.
    YearsMedium impact

    Longer compounding raises the corpus.

3 Important insights
  • Inflation often matters more than expected over the long run.
  • Small rate changes can significantly affect total outcomes.
  • Long-term consistency usually beats short-term timing.

Small, consistent changes compound: time in the market usually beats timing the market.

People usually ask next
Is this above average?
Was this helpful?
How it's calculated & sources

Method: Sukanya Samriddhi Account Scheme — 15-year deposit window, 21-year maturity, annual compounding (interest modelled on the annual deposit).

Default rate 8.2% p.a. is the Government of India small-savings rate. Rates verified June 2026 — confirm the current quarterly notification.

Key assumptions
  • Current SSY rate assumed constant
  • Deposits for 15 years; matures at 21

Free & no sign-up · runs entirely in your browser. Results are estimates for general information, not professional advice — verify important decisions with a qualified expert. Last reviewed June 2026.

How it works

Deposits are made for 15 years; the account matures in 21 years and keeps earning interest in years 16–21. Interest compounds annually. Maximum deposit is ₹1.5 lakh/year.

Frequently asked questions

Is Sukanya Samriddhi tax-free?+

Yes — it's EEE: deposits qualify under Section 80C and both interest and maturity are tax-free.

Continue your journey

Where people usually head next.

🧾
SSI Payment Calculator
Estimate your 2026 monthly Supplemental Security Income (SSI) from your income and living situation.
🏦
PPF Calculator
Project your Public Provident Fund maturity with a full year-by-year schedule.
💼
EPF Calculator
Estimate your Employees' Provident Fund corpus at retirement.
🧓
NPS Calculator
Project your National Pension System corpus, lump sum and monthly pension.

Complete guide

Quick answers

Short, sourced answers to the questions people (and AI assistants) ask most.

What is Sukanya Samriddhi?
A Sukanya Samriddhi calculator projects the maturity value of an SSY account — a government scheme for a girl child offering high, tax-free, guaranteed interest.
Why does Sukanya Samriddhi matter?
Steady contributions, compounded over time, usually matter more than the starting balance.
How is Sukanya Samriddhi calculated?
You deposit each year for 15 years; the balance compounds annually at the SSY rate and continues earning until the account matures (21 years from opening). Formula: Each year: balance = (balance + deposit) × (1 + r).
What is a good sukanya samriddhi?
PPF ~7.1%, EPF ~8.25%, SSY ~8.2% (India, 2026)
What are common sukanya samriddhi mistakes?
Missing a year's minimum \u20b9250 deposit, which makes the account inactive (revive with a penalty).
When should you use the Sukanya Samriddhi Calculator?
Use it to plan savings for a daughter's education or marriage, or to compare SSY with PPF.

What is the Sukanya Samriddhi Calculator?

A Sukanya Samriddhi calculator projects the maturity value of an SSY account — a government scheme for a girl child offering high, tax-free, guaranteed interest.

How the Sukanya Samriddhi Calculator works

You deposit each year for 15 years; the balance compounds annually at the SSY rate and continues earning until the account matures (21 years from opening).

Each year: balance = (balance + deposit) × (1 + r)
  • deposit — Annual contribution
  • r — SSY interest rate
  • tenure — 15 years deposits, matures at 21 years
  1. Enter your contribution amount — the regular amount you add to an investment or fund, often monthly.
  2. Enter your interest rate — the percentage a lender charges you to borrow, or a bank pays you to save, usually quoted per year (per annum).
  3. Read the result, then change any input to compare scenarios instantly — the Sukanya Samriddhi Calculator recalculates as you type.

Understanding the inputs

What each value means, why it matters, and a typical range — so you can fill in the calculator with confidence.

Contribution Amount

The regular amount you add to an investment or fund, often monthly.

Why it matters:
Steady contributions, compounded over time, usually matter more than the starting balance.
Typical range:
Whatever fits your budget, often 10% to 20% of income.
How it affects results:
  • Higher: A larger final corpus, thanks to more invested and more compounding.
  • Lower: A smaller final corpus.

Common mistake: Forgetting to raise contributions as income grows, which slows progress.

Interest Rate

The percentage a lender charges you to borrow, or a bank pays you to save, usually quoted per year (per annum).

Why it matters:
It is the single biggest driver of how much a loan costs or a deposit earns over time.
Typical range:
3% to 12% per year for most loans; about 6% to 8% is common for home loans.
How it affects results:
  • Higher: More interest paid and bigger payments.
  • Lower: Cheaper borrowing and smaller payments.

Common mistake: Entering a monthly rate where an annual rate is expected (or the reverse).

Benchmark reference

What counts as poor, average or excellent for this metric.

Govt Small-Savings Rate

Average~7-8.2%/yr (India)

Source: India Ministry of Finance / EPFO (2026) · Updated June 2026

Typical values

Govt Small-Savings Rate:
PPF ~7.1%, EPF ~8.25%, SSY ~8.2% (India, 2026)

Common interpretation errors

  • Rates are revised periodically
  • Tax treatment differs by scheme

What impacts results most

  1. 1.
    Annual deposit (High impact)Larger deposits build a bigger tax-free maturity.
  2. 2.
    Interest rate (High impact)The SSY rate compounds yearly.
  3. 3.
    Years (Medium impact)Longer compounding raises the corpus.

Key assumptions

  • Current SSY rate assumed constant
  • Deposits for 15 years; matures at 21

What's a typical value?

SSY pays 8.2% per year (Apr\u2013Jun 2026) \u2014 among the highest government-backed, fully tax-free rates available, typically higher than PPF.

SSY rules at a glance

Current rate8.2% p.a., compounded yearly
WhoA girl child under age 10
DepositsFor 15 years; account matures 21 years from opening
Min / Max per year\u20b9250 / \u20b91,50,000
Tax treatmentEEE \u2014 fully tax-free; deposits qualify for 80C

Worked example

Inputs: $150,000/year, 8.2%, 15 years of deposits, matures at 21 years Calculation: each year: (balance + deposit) ×(1+rate); deposits stop after year 15 Result: maturity ≈ $7,182,119 (tax-free) What it means: Among the highest government-backed tax-free rates — typically beats PPF for the same deposit.

Common mistakes to avoid

  • Missing a year's minimum \u20b9250 deposit, which makes the account inactive (revive with a penalty).
  • Assuming deposits run the full 21 years \u2014 you only deposit for 15.

Compared to alternatives

Sukanya Samriddhi vs PPF

Both tax-free and government-backed; SSY is for a girl child at a higher rate.

SukanyaPPF
Rate~8.2%~7.1%
WhoGirl child under 10Anyone
TenureDeposits 15y, matures 21y15 years

Bottom line: For a daughter's goal SSY usually beats PPF on rate; PPF is the flexible all-purpose option.

Sukanya calculator·PPF calculator

Related concepts

How PPF connects to the concepts around it.

EPF:
A salary-linked retirement fund with an employer match.
NPS:
A market-linked retirement scheme with a pension.
Savings Rate:
The share of income you save or invest.

Reviewed sources & methodology

Methodology: Government / Standard · Last reviewed June 2026.

Keywords: sukanya, ssy, girl child, savings.

This is an educational estimate, not financial advice. Rates, rules and figures change — verify the latest with the provider or a qualified advisor before you decide.

Sources: Ministry of Finance small-savings rates, Apr\u2013Jun 2026

Reviewed by the Free Tools Galaxy editorial team · Updated June 2026 · Calculated privately in your browser.

Frequently asked questions

Is the Sukanya Samriddhi Calculator free to use?+

Yes. Every tool on Free Tools Galaxy is 100% free, runs in your browser and requires no signup.

How accurate is the Sukanya Samriddhi Calculator?+

Sukanya Samriddhi Calculator uses the standard sukanya samriddhi formula in double-precision arithmetic, so the same inputs always produce the same result and you can verify any figure by hand. It is an educational estimate — real-world outcomes depend on your actual rates, rules and assumptions.

Do you store my inputs?+

No. The Sukanya Samriddhi Calculator runs entirely in your browser. Nothing is uploaded or saved to a server.

Can I use the Sukanya Samriddhi Calculator on mobile?+

Yes — the interface is fully responsive and works on phones, tablets and desktops.

What are common mistakes to avoid?+

The most frequent mistake is mixing units. Double-check your inputs use a single, consistent unit before clicking Calculate.

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Project the maturity of a Sukanya Samriddhi Yojana account with a full schedule.

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