SSY Calculator — Sukanya Samriddhi Yojana Returns
Calculate SSY maturity amount, interest earned, partial withdrawal at 18, and year-by-year growth at the current 8.2% rate.
Last updated: June 2026
Based on Indian tax/labour law — SSY rules, Q1 FY2026-27 at 8.2%
Account opened: 2026
Deposits end: 2041
Partial withdrawal: 2041 (age 18)
Maturity: 2047 (21 years)
Total Deposited
₹22,50,000
Total Interest
₹49,32,119
Maturity Amount
₹71,82,119
Partial Withdrawal (at 18)
₹19,93,387
Maturity Date
2047
₹71.8 lakh
| Year | Girl's Age | Deposit | Interest | Balance |
|---|---|---|---|---|
| 1 | 4 | ₹1,50,000 | ₹12,300 | ₹1,62,300 |
| 2 | 5 | ₹1,50,000 | ₹25,609 | ₹3,37,909 |
| 3 | 6 | ₹1,50,000 | ₹40,009 | ₹5,27,917 |
| 4 | 7 | ₹1,50,000 | ₹55,589 | ₹7,33,506 |
| 5 | 8 | ₹1,50,000 | ₹72,448 | ₹9,55,954 |
| 6 | 9 | ₹1,50,000 | ₹90,688 | ₹11,96,642 |
| 7 | 10 | ₹1,50,000 | ₹1,10,425 | ₹14,57,067 |
| 8 | 11 | ₹1,50,000 | ₹1,31,779 | ₹17,38,846 |
| 9 | 12 | ₹1,50,000 | ₹1,54,885 | ₹20,43,732 |
| 10 | 13 | ₹1,50,000 | ₹1,79,886 | ₹23,73,618 |
| 11 | 14 | ₹1,50,000 | ₹2,06,937 | ₹27,30,554 |
| 12 | 15 | ₹1,50,000 | ₹2,36,205 | ₹31,16,760 |
| 13 | 16 | ₹1,50,000 | ₹2,67,874 | ₹35,34,634 |
| 14 | 17 | ₹1,50,000 | ₹3,02,140 | ₹39,86,774 |
| 15 | 18 | ₹1,50,000 | ₹3,39,215 | ₹44,75,989 |
| 16 | 19 | — | ₹3,67,031 | ₹48,43,020 |
| 17 | 20 | — | ₹3,97,128 | ₹52,40,148 |
| 18 | 21 | — | ₹4,29,692 | ₹56,69,840 |
| 19 | 22 | — | ₹4,64,927 | ₹61,34,767 |
| 20 | 23 | — | ₹5,03,051 | ₹66,37,818 |
| 21 | 24 | — | ₹5,44,301 | ₹71,82,119 |
SSY interest rates are revised quarterly by the Government. Current rate: 8.2% for Q1 FY2026-27. Verify current rate at nsiindia.gov.in before investing.
8.2% rate
Q1 FY2026-27 government rate
Withdraw at 18
50% for higher education
EEE status
Tax-free investment & returns
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About SSY Calculator
Our free SSY Calculator projects Sukanya Samriddhi Yojana maturity with year-by-year balance, interest credited annually, and partial withdrawal at the girl's 18th birthday.
Shows total deposited, interest earned, maturity at 21 years, EEE tax benefits, and editable interest rate for future quarterly revisions.
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Read the full guide: SSY calculator — Sukanya Samriddhi Yojana guide
When Should You Use the SSY Calculator?
Girl child savings
Plan education and marriage corpus with government-backed returns.
SSY vs PPF
Compare 8.2% SSY rate against 7.1% PPF for daughter's savings.
Partial withdrawal
Estimate 50% withdrawal available at age 18 for higher studies.
Tax planning
Understand EEE status and 80C deduction up to ₹1.5 lakh.
Rate changes
Adjust interest rate when government revises quarterly.