Sukanya Samriddhi Yojana (SSY) Calculator
Plan your daughter's future โ maturity corpus, total interest earned, and partial withdrawal at age 18 for education.
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How this calculator works
Sukanya Samriddhi Yojana (SSY) is a government-backed small savings scheme for the girl child, offering one of the highest guaranteed returns in India (currently 8.2% p.a.) with full EEE (Exempt-Exempt-Exempt) tax status โ investment deductible under 80C, interest is tax-free, and maturity is tax-free. The account matures when the girl turns 21, deposits must be made for the first 15 years, and 50% can be withdrawn at age 18 for higher education.
Balance at year end = (Previous balance + Annual deposit) ร (1 + rate) | Maturity at age 21 after last deposit at year 15
Last updated: March 2026 ยท Rates and slabs updated for FY 2025-26
50% at 18 for education
You can withdraw up to 50% of the balance when your daughter turns 18 โ ideal for college or professional course fees. Balance continues to earn interest.
Maximise โน1.5L every April
Deposit early in the financial year (April 1) to maximise interest. SSY interest is calculated monthly but credited annually.
Open before she turns 10
Account can only be opened for a girl aged 10 or below. It matures when she turns 21, regardless of when the account was opened.
Frequently Asked Questions
You can withdraw up to 50% of the balance when your daughter turns 18 โ ideal for college or professional course fees. Balance continues to earn interest.
Deposit early in the financial year (April 1) to maximise interest. SSY interest is calculated monthly but credited annually.
Account can only be opened for a girl aged 10 or below. It matures when she turns 21, regardless of when the account was opened.