Calculator
Sukanya Samriddhi Calculator
Long-term tax-free savings for your daughter — 15 years of deposits, 21-year maturity.
dhanmetrics.com · Educational illustration only · Not investment advice
Maturity at year 21
₹71,82,119
Tax-free under Section 80C (EEE) · 3.19× your contributions
What this means
SSY is one of the highest-yielding fully tax-free instruments in India (EEE — exempt on contribution, accrual, and maturity). ₹1.5L/year for 15 years compounds into ₹71.8L by year 21 at 8.2%. The catch: it's only for daughters under 10, and the corpus is locked till her 21st birthday (with a partial withdrawal at 18). For long-term family planning, it beats most alternatives.
What if you…
Maxed at ₹1.5L/year (80C cap)
₹71.8L
+₹0
Halved to ₹75.0K/year
₹35.9L
-₹35.9L
Got a 9.2% rate (1% higher)
₹82.8L
+₹11.0L
Educational illustration. SSY is fully tax-free (EEE). Only one account per girl child, opened before age 10. 15-year contribution window; 21-year maturity. Rates revise quarterly.
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Inputs
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Min ₹250, Max ₹1,50,000 per year. Account must be opened before the girl turns 10. Deposits allowed only for the first 15 years.
Current Govt-declared rate is 8.2% (Q3 FY 2025–26). Govt revises quarterly. Compounded annually, fully tax-free.
Account matures 21 years from opening (or on marriage after age 18, whichever is earlier). 15 years of deposits, then 6 more years of pure compounding before maturity.
Growth chart