Sukanya Samriddhi Calculator India — FY 2025-26
Calculate how much your daughter will receive when her SSY account matures. Deposit ₹1,50,000/year at 8.2% interest for 15 years, then watch the balance grow for 6 more years of interest-only compounding. Compare deposit levels and benchmark against PPF and FD. Updated for FY 2025-26 rates.
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How to Use This Calculator
SSY Maturity tab
Enter your annual deposit amount (up to ₹1,50,000) and your daughter's current age. The calculator computes the full 21-year timeline: 15 years of deposits plus 6 years of interest-only growth. You see the total deposited, total interest earned, maturity value, and estimated tax savings under Section 80C.
Partial vs Full tab
Compares three deposit levels side-by-side: the minimum ₹250/month, a moderate ₹5,000/month, and the maximum ₹12,500/month. This helps you decide how much to allocate based on your budget, showing the maturity value for each scenario at the same interest rate.
SSY vs PPF vs FD tab
Invests the same annual amount in SSY (8.2%), PPF (7.1%), and a taxable FD (7.0%) over 15 years. Shows how SSY wins on both rate and tax treatment. FD interest is taxed at your income slab rate, making the effective return significantly lower than SSY or PPF.
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The Formula
SSY uses annual compounding. Deposits are made once per year, and interest is calculated on the closing balance at the end of each financial year:
For each year (1 to 21):
Balance = Previous Balance + Deposit (if year ≤ 15)
Interest = Balance × Rate / 100
New Balance = Balance + Interest
Deposit period: Years 1 to 15 — annual deposit added
Interest-only period: Years 16 to 21 — no deposit, balance earns interest
Maturity Value = Balance at end of Year 21
Tax Benefit (Section 80C):
Annual deduction = Deposit amount (up to ₹1,50,000)
Tax saving = Deposit × Marginal tax rate
At 31.2% rate (30% slab + 4% cess): ₹1,50,000 × 0.312 = ₹46,800/year
EEE Status:
Deposit — Exempt (80C deduction)
Interest — Exempt (not taxable)
Maturity — Exempt (no tax on withdrawal)
SSY interest is compounded annually, not quarterly like PPF. The rate is reviewed by the Ministry of Finance every quarter but has remained at 8.2% throughout FY 2025-26. The actual rate applied may change in future financial years.
Example
Meera — Delhi parent, ₹1,50,000/year for daughter aged 2
Meera opens an SSY account for her 2-year-old daughter and deposits the maximum ₹1,50,000 every year. The current interest rate is 8.2% p.a.
Step 1: Deposit phase (years 1 to 15)
Step 2: Interest-only phase (years 16 to 21)
Step 3: Tax savings
Meera deposits ₹22.5 lakh over 15 years and receives ₹70.4 lakh when her daughter turns 23. The interest of ₹47.9 lakh is more than double the deposits. She also saves ₹7 lakh in income tax over the deposit period. The entire maturity amount is tax-free.