Total deposited₹0Principal invested
SSY Calculator — Sukanya Samriddhi Yojana Post Office
Estimate SSY maturity with monthly or yearly deposits for girl child accounts
Browse more in Post Office schemes
SSY Calculator
Rates: Q1 FY 2025-26·Updated 1 Apr 2025·Verify on India Post
Official indicative rate: 8.2% p.a.
%
Pre-filled with the notified India Post rate. Adjust to model a different rate.
Max ₹1.5 lakh
₹
Fifty ThousandYr
Monthly PPF/SSY estimates assume equal monthly contributions with annual interest credit. Verify onindiapost.gov.in.
Adjust the inputs above to see your results here.
Interest earned₹0Returns generated
Estimated
Maturity value₹0Estimated final valueInvestment Summary
Updated instantly as you change values.
Investment Breakdown
Total deposited
₹00%
Interest earned
₹00%
Key Insights
- Government-backed India Post small savings scheme
- Verify latest rates on indiapost.gov.in
Year-wise breakdown
| Year | Principal (A) | Interest (B) | Total (A + B) | Balance |
|---|
About this calculator
In-depth guide for the SSY calculator — formulas, examples, and official sources for India.
Introduction
SSY is a post office scheme for a girl child below 10 years. It offers one of the highest small-savings rates with EEE tax treatment — deposits (80C), interest, and maturity are tax-free.
What this calculator does
Calculate SSY maturity with monthly or yearly deposits for a girl child account. Deposits are made for 15 years from account opening. The account matures 21 years from opening — years 16–21 earn interest without mandatory deposits. Partial withdrawal up to 50% is allowed after the girl turns 18 for education.
Who should use this calculator
Parents or guardians of a girl child who want a dedicated, tax-free corpus for education or marriage. Compare with PPF if you need flexibility for any family member.
- ₹50,000/year for 15 deposit years at 8.2% → strong long-term corpus
- ₹5,000/month for 15 years at 8.2% → estimate with monthly mode
- Partial withdrawal allowed after age 18 for education expenses
Monthly vs yearly SSY deposits
Minimum ₹250 and maximum ₹1.5 lakh per financial year. Toggle monthly mode to plan ₹5,000/month style contributions instead of annual lumpsums.
Formula used
Formula
Annual credit: balance = (balance + deposits) × (1 + r)Variable explanation
- Input: Deposit amount (₹)
- Yearly or monthly contribution.
- Input: Interest rate (% p.a.)
- Notified SSY rate.
- Output: Maturity at 21 years (₹)
- Estimated corpus.
Example calculation
- Step 1
Enter deposit mode and amount.
- Step 2
Confirm rate.
- Final answer
Review maturity timeline.
How to use
Locate the calculator form at the top of this page.
Enter your values using the units shown (₹, %, years, or as labelled).
Review the instant result, charts, or schedules in the output panel.
Adjust inputs to compare scenarios before making a financial decision.
Benefits
Free to use with instant browser-based results — no signup.
Built for Indian rates, tax years, and units.
Includes worked examples and FAQs on every page.
Limitations
Deposits for 15 years; account matures at 21 years
Maximum two SSY accounts per family in specific conditions — verify current rules.
Tips
Open early — longer compounding on early deposits helps.
Partial withdrawal allowed after girl turns 18 for education.
Common mistakes
Opening when girl child is 10 or older — age limit is below 10 at opening.
Frequently asked questions
Are these the official India Post rates?
India Post revises small savings rates quarterly. Verify before investing. Rates shown are indicative for Q1 FY 2025-26. This calculator is for planning only.
Who can open SSY?
Guardian of a girl child below 10 years at a post office or authorised bank.
How long must I deposit in SSY?
Deposits are required for 15 years; the account completes at 21 years from opening.
Is SSY better than PPF?
SSY offers a higher rate but only for a girl child. PPF is open to any resident Indian.
Related guides
Government references
- India Post — indiapost.gov.in (small savings rates)
- Sukanya Samriddhi Account Rules 2016
- India Post — (small savings rates)indiapost.gov.in
Conclusion
Build a dedicated tax-free corpus for a girl child with one of India's highest small savings rates.