Sukanya Samriddhi Yojana (SSY) Calculator 2026-27
Calculate your SSY maturity amount, interest earned, and year-by-year growth. Updated for 8.2% interest rate (Q1 FY 2026-27).
Min ₹250 · Max ₹1,50,000 per year
Account can only be opened before age 10
Maturity Amount (after 21 years)
₹23,94,036
21 years from account opening · 8.2% p.a.
| Total Invested | ₹7,50,000 |
| Total Interest Earned | ₹16,44,036 |
| Maturity Amount | ₹23,94,036 |
Year-by-Year Breakdown (21 years from opening)
| Year | Age | Deposit | Interest | Balance |
|---|---|---|---|---|
| 1 | 4 | ₹50,000 | ₹4,100 | ₹54,100 |
| 2 | 5 | ₹50,000 | ₹8,536 | ₹1,12,636 |
| 3 | 6 | ₹50,000 | ₹13,336 | ₹1,75,972 |
| 4 | 7 | ₹50,000 | ₹18,530 | ₹2,44,502 |
| 5 | 8 | ₹50,000 | ₹24,149 | ₹3,18,651 |
| 6 | 9 | ₹50,000 | ₹30,229 | ₹3,98,880 |
| 7 | 10 | ₹50,000 | ₹36,808 | ₹4,85,688 |
| 8 | 11 | ₹50,000 | ₹43,926 | ₹5,79,614 |
| 9 | 12 | ₹50,000 | ₹51,628 | ₹6,81,242 |
| 10 | 13 | ₹50,000 | ₹59,962 | ₹7,91,204 |
| 11 | 14 | ₹50,000 | ₹68,979 | ₹9,10,183 |
| 12 | 15 | ₹50,000 | ₹78,735 | ₹10,38,918 |
| 13 | 16 | ₹50,000 | ₹89,291 | ₹11,78,209 |
| 14 | 17 | ₹50,000 | ₹1,00,713 | ₹13,28,922 |
| 15 | 18 | ₹50,000 | ₹1,13,072 | ₹14,91,994 |
| 16no deposit | 19 | — | ₹1,22,344 | ₹16,14,338 |
| 17no deposit | 20 | — | ₹1,32,376 | ₹17,46,714 |
| 18no deposit | 21 | — | ₹1,43,231 | ₹18,89,945 |
| 19no deposit | 22 | — | ₹1,54,975 | ₹20,44,920 |
| 20no deposit | 23 | — | ₹1,67,683 | ₹22,12,603 |
| 21no deposit | 24 | — | ₹1,81,433 | ₹23,94,036 |
Free: Indian Salary Tax Cheatsheet 2026-27
New regime slabs, old regime deductions, PT by state — one page, print-ready.
How to Use Sukanya Samriddhi Yojana Calculator
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Enter annual deposit
Enter the amount you plan to deposit each year (₹250 minimum, ₹1,50,000 maximum).
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Enter girl's current age
Enter the current age of your daughter (must be under 10 to open a new account).
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Review the interest rate
The default rate is 8.2% (Q1 FY 2026-27). You can adjust it if the rate changes.
-
View maturity amount
See the total maturity corpus, total interest earned, and a year-by-year growth breakdown.
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Frequently Asked Questions
What is the current SSY interest rate?
The SSY interest rate for Q1 FY 2026-27 (April–June 2026) is 8.2% per annum, compounded annually. The rate is reviewed quarterly by the Ministry of Finance.
Until what age can I deposit in SSY?
You can make deposits until the girl child turns 15 years old (15 years from account opening). The account continues to earn interest until maturity at age 21, even after deposits stop.
When does the SSY account mature?
The SSY account matures when the girl child turns 21 years old, or upon her marriage after age 18, whichever is earlier.
Is SSY tax-free?
Yes — SSY follows the EEE (Exempt-Exempt-Exempt) tax structure. Annual deposits up to ₹1.5 lakh qualify for Section 80C deduction (old regime only), interest earned is fully exempt, and the maturity amount is fully tax-free.
Can I withdraw early from SSY?
Partial withdrawal of up to 50% of the previous year's balance is allowed after the girl child turns 18 for higher education expenses. Premature closure is allowed in case of marriage after age 18 or in special circumstances.
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