SSY Calculator

Project Sukanya Samriddhi savings using entered deposits and an assumed rate. Enter your own values below to see projected balance after 21 years and check the method behind it.

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Your inputs

Change the example values to match your situation.

Your result

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Fill in your inputs and select Calculate.
Your result and breakdown will appear here.

How this calculator works

Deposit at the start of each of the first 15 years; compound annually for 21 years from opening.

Before you use the result

  • Projection using the rate you enter, not a guaranteed return or live product quote. Unless stated otherwise, taxes, fees and inflation are excluded.
  • Assumes eligible early-financial-year deposits, no withdrawals and a constant rate. Actual interest uses monthly eligible balances; eligibility and premature closure conditions are not assessed.

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What is SSY Calculator?

SSY Calculator helps you project Sukanya Samriddhi savings using entered deposits and an assumed rate.

The main result is projected balance after 21 years, with a breakdown of contributions over 15 years and interest. The formula, example and assumptions below explain how to interpret it.

How to use SSY Calculator

Use the example to get familiar with the form, then enter your own figures. Any rates in the example are illustrative. Check the field labels and units before calculating.

  1. Gather annual SSY contribution (₹) and assumed annual interest rate (%). Use values from the same situation or reporting period.
  2. Replace the example annual SSY contribution with your own value, then complete the other fields. Check the displayed units.
  3. Select Calculate and read projected balance after 21 years with its result breakdown. Change one input and calculate again to compare a second scenario. Reset restores the original example.
  • Enter annual SSY contribution in ₹, at least 250 and at most 150000. Decimals are accepted.
  • Enter assumed annual interest rate in %, at least 0 and at most 100. Decimals are accepted.

SSY Calculator: a worked example

With the inputs below, the result is ₹71,82,119.17 (projected balance after 21 years). Follow the example, then replace these illustrative values with your own.

Example inputs and output
Input or outputExample value
Annual SSY contribution (₹)₹1,50,000
Assumed annual interest rate (%)8.2 %
Projected balance after 21 years₹71,82,119.17
Contributions over 15 years₹22,50,000
Interest₹49,32,119.17

Understanding the SSY result

Read projected balance after 21 years alongside contributions over 15 years and interest. These describe different parts of the same calculation.

Displayed results use a readable number of decimal places. When checking a result by hand, keep extra precision until the last step. To compare scenarios, change one input at a time and keep the others fixed.

  • Example Contributions over 15 years: ₹22,50,000
  • Example Interest: ₹49,32,119.17

SSY Calculator: assumptions and common mistakes

A useful estimate starts with the right inputs. Check the following assumptions and limits before applying the result to your situation.

  • Projection using the rate you enter, not a guaranteed return or live product quote. Unless stated otherwise, taxes, fees and inflation are excluded.
  • Assumes eligible early-financial-year deposits, no withdrawals and a constant rate. Actual interest uses monthly eligible balances; eligibility and premature closure conditions are not assessed.
  • A projected return is an assumption. Check whether fees, tax and inflation are included before comparing products.

For wider guidance, visit SEBI Investor Education. The formula and scope of this specific tool are stated on this page.

SSY Calculator FAQs

What does SSY Calculator calculate?

SSY Calculator helps you project Sukanya Samriddhi savings using entered deposits and an assumed rate. Its main output is projected balance after 21 years in ₹.

What inputs do I need for SSY Calculator?

You need annual SSY contribution (₹) and assumed annual interest rate (%). Use the field labels and units to match your figures to the formula.

Which formula does SSY Calculator use?

Deposit at the start of each of the first 15 years; compound annually for 21 years from opening.

What is a worked example for SSY Calculator?

Example inputs: Annual SSY contribution: ₹1,50,000; Assumed annual interest rate: 8.2 %. The result is ₹71,82,119.17 (projected balance after 21 years).

How should I enter annual SSY contribution?

Enter annual SSY contribution in ₹, at least 250 and at most 150000. Decimals are accepted.

How do I choose assumed annual interest rate?

Enter assumed annual interest rate in %, at least 0 and at most 100. Decimals are accepted. The example uses 8.2 %; replace it if your circumstances differ.

How should I read projected balance after 21 years?

Read projected balance after 21 years alongside contributions over 15 years and interest. These describe different parts of the same calculation.

Why might my SSY Calculator result differ from my records?

Projection using the rate you enter, not a guaranteed return or live product quote. Unless stated otherwise, taxes, fees and inflation are excluded. Differences in entered values, units or rounding can also change the comparison.

Can I compare two scenarios in SSY Calculator?

Yes. Note your first projected balance after 21 years, change annual SSY contribution or another input, and select Calculate again. Editing a field clears the old result so it is not mistaken for a new calculation.

Is SSY Calculator free, and where are my inputs calculated?

This calculator is free to use without signing in. Its formula runs in your browser; calculator inputs are not sent to a calculation API. The inputs reset to the example values when you reset the form or start a fresh page.