About this tool

Sukanya Samriddhi Yojana Calculator

Project your daughter's Sukanya Samriddhi maturity with real scheme rules — 15 years of deposits, 21-year maturity, year-wise growth.

This Sukanya Samriddhi Yojana calculator projects the maturity value of a girl child's SSY account under the scheme's actual rules: deposits in each of the first 15 years, interest compounded annually at the notified rate (8.2% p.a. by default), and maturity 21 years after the account is opened. Enter her date of birth, the yearly deposit between ₹250 and ₹1.5 lakh and the opening year, and you get the maturity amount, the exact maturity date, her age on that date and a year-by-year table of deposit, interest and closing balance. It is for parents deciding how much to commit each year and when to open the account.

How to use Sukanya Samriddhi Yojana Calculator

1. 1

   Open Sukanya Samriddhi Yojana Calculator on AltFTool — it loads instantly in your browser.

2. 2

   Enter your daughter's date of birth, then set Yearly deposit (₹) anywhere between the ₹250 minimum and the ₹1,50,000 maximum — or tap one of the ₹1,000 / month, ₹50,000 / year and Maximum ₹1.5L presets.

3. 3

   Choose a Deposit start year (only years before her 10th birthday are listed) and set Interest rate (% p.a.) to the notified 8.2 or a newer figure; the projection recalculates as you type, and Reset to defaults restores the starting values.

4. 4

   The Maturity after 21 years panel returns the amount and the date it is payable, plus Total deposited, Total interest, Effective multiple, Account opens, Last deposit due and Growth-only phase tiles, a 21-row Year-wise growth table (Year, Her age, Deposit, Interest earned, Closing balance), and a Copy summary button.

Why use Sukanya Samriddhi Yojana Calculator

• Models the real 15-and-21 structure

  Deposits stop after year 15 while interest keeps compounding to year 21, instead of assuming you pay in for the full term.

• Dates, not just totals

  It returns the actual maturity date, the last deposit date and her age at each, calculated from her date of birth.

• Year-by-year, not a single figure

  Every year's deposit, interest credited and closing balance is listed, so you can see when compounding starts to outrun contributions.

Common use cases

• Your daughter is four and you are choosing between depositing ₹50,000 and the full ₹1.5 lakh a year, and want to see the difference in the final corpus before committing.
• Comparing opening the account now versus waiting two years, and seeing how many compounding years — and how much interest — the delay costs.
• Planning for her college admission at 18 and checking the half-balance withdrawal you would be allowed, and in which calendar year it becomes available.

Frequently asked questions