Sukanya Samriddhi Yojana Calculator
A full 21-year projection, including the six years at the end where deposits stop but interest does not.
Your numbers
Nothing you type here leaves your device as you work. Saving is the only thing that sends it anywhere, and only when you ask.
₹1.5 lakh
The account can only be opened before she turns 10.
₹ MoneyLingo · moneylingo.in
Sukanya Samriddhi Yojana Calculator
Worked out on 13/8/2026
| Deposit each year | 150000 |
|---|---|
| Her age when the account opens | 5 |
My scenarios (0/10)
Snapshots of your inputs, so you can flip between them — “20 years at 9%” against “15 years at 9.5%”. Stored in this browser only, no account needed.
At 8.2% throughout
- You deposit
- ₹22.5 lakh
- Interest earned
- ₹49.3 lakh
- Balance when deposits stop
- ₹44.8 lakh
- Added in the final 6 years
- ₹27.1 lakh
Over 15 years
At year 15
With no further deposits
Year by year
| Year | Deposit | Interest | Closing |
|---|---|---|---|
| 1 | ₹1,50,000 | ₹12,300 | ₹1.62 lakh |
| 2 | ₹1,50,000 | ₹25,609 | ₹3.38 lakh |
| 3 | ₹1,50,000 | ₹40,009 | ₹5.28 lakh |
| 4 | ₹1,50,000 | ₹55,589 | ₹7.34 lakh |
| 5 | ₹1,50,000 | ₹72,448 | ₹9.56 lakh |
| 6 | ₹1,50,000 | ₹90,688 | ₹12 lakh |
What this means
- Deposits run for 15 years, but the account matures at 21 years. In the final 6 years nothing is deposited and interest keeps compounding, which is a large part of the final figure.
- Rates are reset quarterly. Projected here at 8.20% throughout, which will not be what actually happens over 21 years.
- EEE — deposits qualify under section 80C (old regime), and both interest and maturity are tax free.
- A maximum of 2 accounts per family, with an exception for twins or triplets.
- Partial withdrawal of up to half the balance is allowed after the girl turns 18, for higher education.
Questions people actually ask
- Why does the account run for 21 years if deposits stop at 15?
- Deposits are required for 15 years but the account matures at 21. In those last six years nothing is deposited and interest keeps compounding — a large part of the final figure. Projections that stop at year 15 understate the maturity value considerably.
Where these numbers come from
Every rate this tool uses, its source, and the date a human last checked it against that source.
- Union Budget 2026-27; slab structure unchanged from FY 2025-26 · checked 2026-04-05
- Income-tax Act — standard deduction for salaried taxpayers, new regime · checked 2026-04-05
Salaried taxpayers and pensioners only. Not available against business or freelance income.
- Rebate under s.87A, new regime · checked 2026-04-05
Applies to total income AFTER the standard deduction, which is why a salary of ₹12.75 lakh can still pay nil tax.
- Rebate under s.87A, new regime · checked 2026-04-05
- Surcharge rates, new regime. The 37% band does not apply under the new regime. · checked 2026-04-05
- Deduction against family pension, new regime · checked 2026-04-05
- Old regime slabs, unchanged since FY 2014-15 · checked 2026-04-05
- Standard deduction for salaried taxpayers, old regime · checked 2026-04-05
- Rebate under s.87A, old regime · checked 2026-04-05
- Rebate under s.87A, old regime · checked 2026-04-05
- Surcharge rates, old regime · checked 2026-04-05
- Basic exemption limit, resident senior citizen, old regime · checked 2026-04-05
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