Using the Sukanya Samriddhi (SSY) Calculator
For a new account, enter zero completed years and zero balance. For an existing account, enter completed account years and the balance at the start of the next modeled year. The schedule stops deposits after account year fifteen and continues interest to year twenty-one.
Worked example
Use the example inputs below to reproduce this result. These are the form's starting values, not recommended targets. Changing your inputs updates your result above; this worked example stays fixed for comparison. Results are rounded for display.
Example inputs
- Child age at account opening (whole years)
- 3
- Completed account years
- 0
- Current balance (₹) — zero for new account
- 0
- Annual deposit (₹), multiple of ₹50
- 50000
- Assumed annual interest (%) — editable
- 8.2
Example result
- Projected maturity balance (₹)
- 2,394,039.72
- Future deposits (₹)
- 750,000
- Projected future interest (₹)
- 1,644,039.72
- Years remaining
- 21
- Approximate child age at maturity
- 24
- Yearly projection
- Year 1: deposits 50,000; interest/growth 4,100; balance 54,100 Year 2: deposits 50,000; interest/growth 8,536.2; balance 1,12,636.2 Year 3: deposits 50,000; interest/growth 13,336.17; balance 1,75,972.37 Year 4: deposits 50,000; interest/growth 18,529.73; balance 2,44,502.1 Year 5: deposits 50,000; interest/growth 24,149.17; balance 3,18,651.28 Year 6: deposits 50,000; interest/growth 30,229.4; balance 3,98,880.68 Year 7: deposits 50,000; interest/growth 36,808.22; balance 4,85,688.9 Year 8: deposits 50,000; interest/growth 43,926.49; balance 5,79,615.38 Year 9: deposits 50,000; interest/growth 51,628.46; balance 6,81,243.85 Year 10: deposits 50,000; interest/growth 59,962; balance 7,91,205.84 Year 11: deposits 50,000; interest/growth 68,978.88; balance 9,10,184.72 Year 12: deposits 50,000; interest/growth 78,735.15; balance 10,38,919.87 Year 13: deposits 50,000; interest/growth 89,291.43; balance 11,78,211.3 Year 14: deposits 50,000; interest/growth 1,00,713.33; balance 13,28,924.62 Year 15: deposits 50,000; interest/growth 1,13,071.82; balance 14,91,996.44 Year 16: deposits 0; interest/growth 1,22,343.71; balance 16,14,340.15 Year 17: deposits 0; interest/growth 1,32,375.89; balance 17,46,716.04 Year 18: deposits 0; interest/growth 1,43,230.72; balance 18,89,946.76 Year 19: deposits 0; interest/growth 1,54,975.63; balance 20,44,922.39 Year 20: deposits 0; interest/growth 1,67,683.64; balance 22,12,606.03 Year 21: deposits 0; interest/growth 1,81,433.69; balance 23,94,039.72
Method and assumptions
Editable rates start from the October–December 2026 small-savings rate table. Use the rate applicable to your issue; future rates are not guaranteed. Contributions during the first 15 account years; maturity after 21 years from opening. Assumes an April opening, full completed account years, annual deposit before the fifth of April, annual credit and constant interest. Existing balance is entered at the start of the next modeled account year. Does not model partial withdrawals, default penalties, irregular deposits or early marriage closure.
Reference: nsiindia.gov.in — method and further reading
Separate contributions from growth
An ending balance can grow because you put more money in, because the assumed return is higher, or because the money has more time to compound. Those are different effects. Keep the contribution schedule consistent when comparing rates, and distinguish a mathematical projection from a return that is contractually guaranteed. Fees and taxes need their own assumptions.
Common question
Why does the account keep growing after deposits stop?
The contribution window and maturity date are different. This model accepts deposits during the first fifteen account years and retains the balance with assumed annual interest until year twenty-one. It excludes education withdrawals and early marriage closure.