Sukanya Samriddhi Yojana (SSY) Calculator — 8.20% p.a.

Government-backed EEE tax-free savings scheme for your daughter (Deposits for 15 years, matures at 21 years).

Annual Investment (₹ — Max ₹1,50,000/yr)

₹

Daughter's Current Age (0 to 10 Years)

Yrs

Account Opening Year

Tax-Free SSY Maturity Value (21 Yrs)

₹69,27,578

₹69.28 Lakh Tax-Free in 2047

Total Deposited (First 15 Years) ₹22,50,000

Total Tax-Free Interest Earned (8.20%) ₹46,77,578

Annual Section 80C Deduction ₹1,50,000

Total Principal (15 Yrs)

Compound Interest (8.2%)

Notice how deposits stop after Year 15 while your daughter's corpus continues compounding at 8.20% until Year 21.

Year & Daughter's Age	Annual Deposit	Interest Earned (8.20%)	Closing SSY Balance

Key Rules of Sukanya Samriddhi Yojana (SSY)

Best-in-Class Sovereign Rate: Offers 8.20% p.a. compounded annually—higher than PPF (7.10%) and Bank Fixed Deposits.
Deposit Before the 5th of the Month: To maximize monthly interest calculation, deposit your installment on or before the 5th of every month (or lump sum before April 5th).
EEE Tax Exemption: Principal qualifies for Section 80C up to ₹1.5 Lakh, annual interest is exempt, and the final ₹69.27 Lakh maturity corpus is 100% tax-free.

Every tool is directly linked for seamless cross-comparison between bank loans, mutual fund SIPs, and government schemes.