Sukanya Samriddhi Yojana (SSY) Calculator: 8.2% Tax-Free Corpus
Calculate Sukanya Samriddhi Yojana (SSY) maturity corpus, 8.2% annual interest, 15-year deposit limit, 50% education withdrawal, and EEE tax savings.
Your annual deposit of ₹150,000/yr at 8.20% p.a. accumulates a 100% tax-free maturity corpus of ₹7,182,127 in 21 years (Total Interest: ₹4,932,127).
Model 15-year contribution periods, 21-year statutory maturity horizons, 8.2% p.a. annual compounding, Section 80C ₹1.5L caps, 100% EEE tax-free status, and 50% higher education withdrawal rules.
⚡ Quick Benchmark Presets
1. Deposit Amount, Girl Child Age & Education Withdrawal Selection
2. Section 80C Tax Bracket & Equity SIP Assumptions
⚖️ Guaranteed Govt SSY vs. Market-Linked Equity SIP Comparison
📈 21-Year Sukanya Samriddhi Yojana Accumulation Schedule
| Year | Girl Child Age | Annual Deposit | Total Deposits | Edu Withdrawal | Interest Earned | Ending Balance |
|---|---|---|---|---|---|---|
| Year 1 | Age 1 | ₹1,50,000 | ₹1,50,000 | - | ₹12,300 | ₹1,62,300 |
| Year 2 | Age 2 | ₹1,50,000 | ₹3,00,000 | - | ₹25,609 | ₹3,37,909 |
| Year 3 | Age 3 | ₹1,50,000 | ₹4,50,000 | - | ₹40,009 | ₹5,27,918 |
| Year 4 | Age 4 | ₹1,50,000 | ₹6,00,000 | - | ₹55,589 | ₹7,33,507 |
| Year 5 | Age 5 | ₹1,50,000 | ₹7,50,000 | - | ₹72,448 | ₹9,55,955 |
| Year 6 | Age 6 | ₹1,50,000 | ₹9,00,000 | - | ₹90,688 | ₹11,96,643 |
| Year 7 | Age 7 | ₹1,50,000 | ₹10,50,000 | - | ₹1,10,425 | ₹14,57,068 |
| Year 8 | Age 8 | ₹1,50,000 | ₹12,00,000 | - | ₹1,31,780 | ₹17,38,848 |
| Year 9 | Age 9 | ₹1,50,000 | ₹13,50,000 | - | ₹1,54,886 | ₹20,43,734 |
| Year 10 | Age 10 | ₹1,50,000 | ₹15,00,000 | - | ₹1,79,886 | ₹23,73,620 |
| Year 11 | Age 11 | ₹1,50,000 | ₹16,50,000 | - | ₹2,06,937 | ₹27,30,557 |
| Year 12 | Age 12 | ₹1,50,000 | ₹18,00,000 | - | ₹2,36,206 | ₹31,16,763 |
| Year 13 | Age 13 | ₹1,50,000 | ₹19,50,000 | - | ₹2,67,875 | ₹35,34,638 |
| Year 14 | Age 14 | ₹1,50,000 | ₹21,00,000 | - | ₹3,02,140 | ₹39,86,778 |
| Year 15 | Age 15 | ₹1,50,000 | ₹22,50,000 | - | ₹3,39,216 | ₹44,75,994 |
| Year 16 | Age 16 | ₹0 | ₹22,50,000 | - | ₹3,67,032 | ₹48,43,026 |
| Year 17 | Age 17 | ₹0 | ₹22,50,000 | - | ₹3,97,128 | ₹52,40,154 |
| Year 18 | Age 18 | ₹0 | ₹22,50,000 | - | ₹4,29,693 | ₹56,69,847 |
| Year 19 | Age 19 | ₹0 | ₹22,50,000 | - | ₹4,64,927 | ₹61,34,774 |
| Year 20 | Age 20 | ₹0 | ₹22,50,000 | - | ₹5,03,051 | ₹66,37,825 |
| Year 21 | Age 21 | ₹0 | ₹22,50,000 | - | ₹5,44,302 | ₹71,82,127 |
📊 Sukanya Samriddhi Yojana Scenario Matrix Comparison
| Scenario | Annual Deposit | Total Deposits (15Y) | Maturity Corpus (21Y) |
|---|---|---|---|
| Current Setup | ₹1,50,000/yr | ₹22,50,000 | ₹71,82,127 |
| Max ₹1.5L/Yr Cap | ₹1,50,000/yr | ₹22,50,000 | ₹71,82,127 |
| ₹1 Lakh/Yr Goal | ₹1,00,000/yr | ₹15,00,000 | ₹47,88,077 |
| With 50% Edu Withdrawal | ₹1,50,000/yr | ₹22,50,000 | ₹35,91,064 |
How Repayment & Lifecycle Works
Understanding the key phases of your loan or investment timeline
Enter Annual Deposit & Girl Child Age
Specify your annual deposit amount (up to ₹1,50,000 Section 80C cap) and girl child current age (0 to 10 years).
Model 15-Year Deposit Window vs 21-Year Horizon
Deposits are made for the first 15 years, while the accumulated balance continues compounding tax-free for the full 21 years.
Simulate 50% Higher Education Admission Withdrawal
Model partial withdrawal of up to 50% of account balance when girl child reaches age 18 to fund college admission fees.
Compare 100% Tax-Free SSY vs. Equity Mutual Fund SIP
Evaluate 100% government capital-guaranteed EEE SSY maturity returns against market-linked equity mutual fund SIP projections.
Who Should Use the Sukanya Samriddhi Yojana (SSY) Calculator: 8.2% Tax-Free Corpus?
Parents of Infant & Young Girl Children
Parents opening an SSY account between age 0 and 10 to build a guaranteed college education and marriage corpus.
Section 80C Tax-Saving Investors
Taxpayers seeking 100% tax-free EEE returns while claiming up to ₹1.5 Lakhs annual deduction under Section 80C.
Higher Education Financial Planners
Families structuring 50% partial withdrawal at age 18 for undergraduate university admission fees.
Zero-Risk Capital Preservation Savers
Conservative investors prioritizing 100% sovereign government-backed capital safety over equity market volatility.
Key Benefits
- Build a guaranteed, 100% tax-free lump-sum education and marriage fund for your daughter
- Maximize annual Section 80C income tax deductions up to ₹1.5 Lakhs per year
- Structure partial withdrawals at age 18 to pay for undergraduate university admission fees
- Compare government sovereign guaranteed returns against equity mutual fund SIP market risks
Platform Features
- Ministry of Finance Sukanya Samriddhi Account Scheme 2019 statutory compounding engine
- 15-year deposit window and 21-year statutory account maturity horizon modeling
- 8.2% p.a. Government-notified interest rate compounding (credited March 31st)
- Section 80C ₹1,50,000 statutory annual deposit cap auditor
- Section 10(11A) Exempt-Exempt-Exempt (EEE) 100% tax exemption calculator
- 50% Partial Higher Education Withdrawal simulator at age 18
- Guaranteed SSY vs. Market-Linked Equity Mutual Fund SIP comparison engine
- 21-Year year-by-year accumulation schedule table
Sukanya Samriddhi Yojana Annual Compounding & Tax Formulas
Systematic annual contribution deposited into the SSY account for 15 financial years.
Official interest rate (currently 8.2% p.a.) credited annually on March 31st.
Final accumulated balance at 21 years from account opening, 100% tax-exempt under Section 10(11A).
Tax saved on annual contribution: $\text{Deposit} \times \text{TaxBracket}\%$.
Practical Worked Scenarios
Benchmark Case Study: Max ₹1.5 Lakh Annual Deposit (Age 1 Girl Child @ 8.2% p.a.)
Benchmark Case Study: ₹1 Lakh Annual Deposit with 50% Higher Education Withdrawal at Age 18
Common Mistakes to Avoid
Critical financial oversights that reduce long-term returns
Assuming deposits must be made for 21 years—deposits are required only for 15 years, while the account continues compounding until Year 21.
Depositing more than ₹1,50,000 in a financial year—excess amounts do not earn any interest and must be refunded by the bank/post office.
Forgetting to deposit the minimum ₹250 annual amount, which causes the account to become default (can be revived by paying a ₹50 penalty plus ₹250 per default year).
Sukanya Samriddhi Yojana (SSY) Calculator: 8.2% Tax-Free Corpus FAQs
Clear answers to common questions about calculations and methodology