Sukanya Samriddhi Calculator
Finance & InvestmentWork out what a Sukanya Samriddhi account matures to — deposits for 15 years, maturity at 21.
Runs entirely in your browser — nothing is uploaded
The part people miss about Sukanya Samriddhi is the gap at the end. Deposits run for fifteen years, but the account does not mature until twenty-one years from opening — and the balance keeps compounding through those six silent years, which is where a surprisingly large share of the final amount comes from. This shows the whole twenty-one-year run, marking the years when nothing is paid in.
What people do next
Features
- Full 21-year schedule, with the 15 deposit years marked.
- Shows the six compounding-only years explicitly.
- Caps the yearly deposit at the ₹1.5 lakh statutory maximum.
- Works out her age at maturity from her age at opening.
- Year-by-year table of deposits, interest and balance.
How to use the Sukanya Samriddhi Calculator
- 1Enter the amount you plan to deposit each year.
- 2Set her age when the account opens — it must be under 10.
- 3Set the interest rate; the government revises it quarterly.
- 4Read the maturity amount and the age she will be when it pays out.
Frequently asked questions
How long do I have to deposit into Sukanya Samriddhi?
Fifteen years from opening. The account itself runs for twenty-one years, so after the last deposit the balance simply compounds for another six. That stretch is worth understanding — it contributes a large part of the maturity amount without a rupee more being paid in.
What is the maximum I can put in each year?
₹1.5 lakh, with a minimum of ₹250 to keep the account active. This calculator caps the deposit automatically and tells you when it has. Depositing early in the financial year earns more interest than depositing in March, for the same reason it does with PPF.
Is Sukanya Samriddhi taxable?
No — it is exempt at all three stages. Deposits qualify under section 80C, the interest is untaxed as it accrues, and the maturity amount is untaxed when it pays out. Along with PPF it is one of the few genuinely EEE instruments left.
Can I take money out before maturity?
Up to half the balance may be withdrawn once she turns 18, for higher education. The account can be closed early for her marriage after 18. Otherwise the money is locked until the twenty-one-year maturity, which is the point of the scheme.
Who can open the account?
A parent or guardian, for a girl under ten. Up to two accounts per family, with an exception for twins or triplets. It can be opened at a post office or most banks.