Sukanya Samriddhi Yojana calculator
See what a Sukanya Samriddhi Yojana account grows to — deposits run for 15 years, the account matures at 21, and the whole return is tax-free.
Runs entirely in your browserRuns entirely on your device — nothing you type is sent anywhere. Educational only, and not investment advice.
How to use this calculator
Each step names a control you will find on screen above.
- Yearly deposit
Enter how much you will put in each year, between the ₹250 minimum and the ₹1.5 lakh maximum. Deposits are allowed only for the first 15 years.
- Interest rate
The government revises the SSY rate each quarter. Enter the current rate, and try a lower one too — the maturity is decades away and the rate will change many times.
- Read the maturity value
The result compounds each year’s deposit annually and keeps compounding for the six years after deposits stop, then splits the maturity into your own money and tax-free interest.
Worked example: The maximum, every year
Depositing the ₹1.5 lakh annual maximum for 15 years at an assumed 8.2%, held to maturity at 21 years.
What to enter
- Yearly deposit
- ₹1,50,000
- Interest rate
- 8.2%
What it shows you
- You invest
- ₹22,50,000
- Deposit years
- 15
- Matures at
- Year 21
- Interest earned
- More than you deposited
- Tax on it
- Nil (EEE)
Where this is taught
A calculator gives you a number. These explain what the number means and when it misleads you.
- Market Basics12 minEPF, PPF and NPS: the accounts that quietly do the workThe three retirement accounts most Indians already hold, what each actually returns, how they are taxed, and where they should sit in an allocation.
- Risk & Psychology15 minThe allocation nobody has ever measuredThe app says 100 per cent equity and the household calls itself aggressive. Four other institutions hold the rest of the money, and on the only total that matters the figure is 40 per cent — which is why the prudent-sounding trim moves the household away from its target rather than towards it.
- Technical Analysis13 minA chart with no historyA demerged company lists on a Tuesday with no past at all. Every tool in this track needs a lookback window and there is not one, so the first weeks are read with borrowed structure or with none.
- Market Basics11 minActually starting: your first portfolioA concrete, defensible way to begin — what to buy first, how much, in what order, and the mistakes that make the first year unnecessarily expensive.
- Market Basics12 minAnnuities, NPS at sixty, and turning a corpus into an incomeBuilding the corpus is the part everyone plans for. Converting it into forty years of monthly income is the part almost nobody does — and the default option is rarely the best one.