Sukanya Samriddhi Yojana Calculator

Secure your daughter's future with the Sukanya Samriddhi Yojana, a government-backed savings scheme designed to provide financial stability and growth.

Yearly Investment



Girl's Age




Starting Year



Interest Rate


Total Investement


Interest Earned


Maturity Year


Maturity amount


Total Investment

Interest Earned

The Sukanya Samriddhi Yojana (SSY) is a government-guaranteed savings scheme to empower the girl child financially. Our SSY calculator can be useful for parents or guardians who invest in the scheme on behalf of the girl child. Read on as we explain the scheme in detail and how the SSY calculator can help you keep track of returns.      

What is Sukanya Samriddhi Yojana?

Sukanya Samriddhi Yojana (SSY), a small savings scheme, was launched in 2015 as part of the Beti Bachao, Beti Padhao campaign for young girls. The scheme encourages parents of young girls below the age of 10 to open a savings account with an authorized commercial bank or the local post office. 

The scheme is meant to ensure the financial future of the girl child. SSY also offers tax benefits and an attractive interest rate. Subscribers of this scheme can withdraw their funds 21 years from the date of opening the account or when the girl child attains 18 years of age.

Understanding Sukanya Samriddhi Yojana (SSY) Calculator

The SSY calculator is a useful tool that estimates the maturity amount of your SSY investment. Based on the contribution made by the account holder during the investment years, the calculator automatically calculates the potential value of the investment. 

The calculator is easy to use and computes the result accurately and quickly. All the user has to do is to feed details like initial deposit amount, annual contributions, interest rate, and investment tenure. The result of these computations provided by the SSY calculator enables subscribers to make informed investment decisions and change their strategy if they are not satisfied with the final corpus. 

How the Sukanya Samriddhi Yojana calculator works

The SSY calculator will provide the maturity value of the SSY scheme based on the inputs provided by the user. For an accurate projection, users need to input the initial deposit amount, annual contribution, current interest rate, and investment duration. 

Once these details are added, the calculator projects the result instantaneously. The calculator is fast because well, it is a computer. But if you want to compute the details manually, you can use the formula below: 

A = P (1 + r/n) ^ nt

The formula above indicates the following;

A Compound interest 

P Principal amount

r Rate of interest

n Number of times interest compounds in a year

t Number of years

Using the SSY calculator online 

Manually calculating different investment scenarios can be time-consuming and too complicated for many of us. That’s where the SSY calculator online comes in handy. All you have to do is: 

  • Go to our online SSY calculator on the top.
  • Input the yearly investment amount and the starting year.
  • Next, add the age of the girl child.
  • Add the duration of the investment.


Once the above details are fed to the calculator, it will automatically compute and project the maturity year and potential returns.

The many uses of the SSY calculator 

Some of the benefits the Sukanya Samriddhi Yojana offers are obvious, but some are not so obvious. Let us learn about some of them.

  • Accuracy, guaranteed

The SSY online calculator provides accurate projections if you add the investment amount, starting year, duration, and age of the girl child correctly. Human intervention is limited to keying in these inputs and the calculator will do the rest.

  • Competitive interest rates 

With a current interest rate of 8.2% per annum, the Sukanya Samriddhi Yojana (SSY) is a government-backed investment scheme that offers a good interest rate. The long investment tenure and the high interest rate will ensure a decent corpus for the girl child as she turns 18.  

  • Avoids human errors 

The calculator provides error-free results based on user inputs as long as the correct details are added to the calculator. This gives users a clear vision of their potential return and helps the future of their girl child. 

  • Saves time 

The manual calculation of returns can be time-consuming. The SSY calculator will do the job for you seamlessly. 

  • You can compare different options

The SSY calculator with its fast and free service allows users to compare and evaluate different investment strategies. Users can change the parameters like investment amount, starting year, duration, and age of the girl child, and based on the findings, they can change their strategies or options. 


Sukanya Samriddhi Yojana (SSY) is an investment scheme to empower young girls financially. The scheme offers an attractive interest and provides tax benefits to subscribers. Additionally, the SSY calculator can guide individuals to plan their investments better and ensure that they align with their financial goals. So, if you have a young girl child, and plan to open an SSY account, check out our SSY calculator.


1.How many accounts can I open under SSY?

Only one account can be opened in the name of a girl child unless she has a twin or a triplet.

2.What is the minimum amount required to open an SSY account?

The minimum deposit amount required to open an SSY account is ₹250.

3.What happens if I fail to make any deposit?

If no deposits are made in a financial year, an SSY account becomes inactive. A penalty of ₹50 will be levied per year along with the minimum deposit for the current financial year to revive the account.

4.How long does it take for an SSY account to mature?

The maturity period of an SSY account is 21 years from the date of account opening or when the girl turns 18. However, you need to contribute to the account for only 15 years and the accumulated amount will continue to earn interest till maturity.