Government Savings Scheme Calculator

SSY Calculator

Estimate the maturity value, total investment and expected interest from a Sukanya Samriddhi Yojana account using your preferred deposit amount and interest rate.

Investment Details

Enter the expected contribution and account details.

Annual investment ₹1,50,000

₹ / year

Enter an amount between ₹250 and ₹1,50,000 per financial year.

Interest rate

The rate can be changed when government rates are revised.

Girl's current age

years

SSY accounts are generally opened before the girl turns 10.

Deposit frequency

Deposit timing

Estimated Returns

Projection for the complete 21-year account period.

Estimated maturity amount ₹0 Expected maturity at age 26

Total amount deposited ₹0

Estimated interest earned ₹0

Contribution period 15 years

Account maturity 21 years

Deposits: 0% Interest: 0%

This result is an estimate based on a constant interest rate. Actual returns may differ when the government changes the SSY rate.

What Is an SSY Calculator?

An SSY Calculator is a financial planning tool used to estimate the potential maturity value of investments made in a Sukanya Samriddhi Yojana account. It calculates the expected result from your yearly contributions, assumed interest rate and the scheme's investment period.

Sukanya Samriddhi Yojana is designed to help parents and guardians build a long-term fund for a girl child's education and other future financial requirements. Deposits are normally made for up to 15 years, while the account matures 21 years after its opening.

Goal Planning

Estimate whether your selected annual investment may be sufficient for a future financial goal.

Clear Breakdown

View the estimated deposits, interest earned and account balance for every year.

Editable Rate

Change the assumed rate whenever a new SSY interest rate is announced.

How to Use the SSY Calculator

Enter Your Investment

Add the total amount you expect to deposit in the SSY account during each financial year.

Review the Rate

Use the displayed interest rate or enter another rate for a different projection.

Check the Results

Review the maturity amount, total deposits, interest and detailed year-by-year growth table.

Year	Opening Balance	Annual Deposit	Interest Earned	Closing Balance
Enter your details to view the yearly calculation.

How the SSY Calculation Works

The calculator projects the account balance for 21 years. Contributions are added for the first 15 years only. After the contribution period ends, the accumulated amount continues earning interest until the account reaches its assumed maturity.

Calculation assumptions

For monthly contributions, the selected annual contribution is divided into 12 instalments. Interest is estimated during the year and credited to the projected balance annually. For yearly contributions, the full amount is added according to the deposit timing selected by the user.

The result assumes that the same interest rate remains applicable for the complete calculation period. Since SSY interest rates can be revised, the final amount shown by an actual account may be different.

Frequently Asked Questions

It estimates the SSY maturity amount, total contribution and expected interest earned during the complete account period.

Enter the currently applicable Sukanya Samriddhi Yojana interest rate. The calculator initially uses 8.2%, but you can edit it whenever the notified rate changes.

This calculator assumes contributions are made for the first 15 years after opening the account.

The calculation assumes that the account matures 21 years from its opening date, subject to the applicable scheme rules.

No. It is an estimated projection. Actual interest rates, deposit dates, missed contributions, withdrawals and government rules may affect the final maturity amount.

Yes. Select monthly deposits and the calculator will divide your selected annual investment into 12 estimated monthly instalments.

Disclaimer: This SSY Calculator is provided for general information and financial planning only. It does not represent an official maturity statement or financial advice. Confirm the latest interest rate, eligibility requirements, tax treatment and account rules with an authorized bank, post office or official government source.