SSY Calculator & Planner

NITISH VERMA

About this app

Sukanya Samriddhi Calculator & Planner (SSY) is a smart, offline-first financial estimation tool designed to help parents and legal guardians calculate and plan long-term savings for their daughters. Accurately calculate your SSY maturity amount, yearly compounded interest returns, 21-year ledger balance, and partial withdrawal eligibility with an intuitive Material 3 design.

🌟 KEY FEATURES:
📊 1. Accurate SSY Maturity Calculator
• Calculate total investment, earned interest, and final maturity corpus instantly.
• Dynamic support for sovereign quarterly interest rates (8.2% p.a.).
• Multi-period contribution simulation (Monthly or Yearly deposits up to ₹1.5 Lakh/year).

📑 2. 21-Year Detailed Ledger & Projection
• Year-by-year comprehensive breakdown of Opening Balance, Yearly Deposit, Compounded Interest, and Closing Balance.
• Export 21-year schedule in Excel (.xlsx) and PDF (.pdf) formats with one tap.

📖 3. Digital E-Passbook (Offline-First)
• Record, track, and manage your SSY deposits with transaction dates and notes.
• Maintain distinct profiles for multiple daughters.

🎓 4. Partial Withdrawal & Higher Education Planner
• Calculate eligible 50% withdrawal amounts once your daughter attains 18 years of age or completes 10th standard.

📅 5. Due Date Reminders & Alerts
• Set automated deposit reminders so you never miss the financial year-end deadline (March 31st).

📍 6. Post Office & Bank Branch Finder
• Search nearby Post Office branches and authorized nationalized banks across India with PIN code search.

📚 7. Official Scheme Rules & Downloadable Forms
• Direct reference to official national savings forms (Account Opening, Closure, Loan/Withdrawal, Nomination change).
• General guide covering G.S.R. notifications, EEE (Exempt-Exempt-Exempt) tax benefits under Section 80C, premature closure rules, and revival of defaulted accounts.

🔒 100% PRIVATE & OFFLINE-FIRST:
Your financial records, calculation numbers, daughter names, and notes remain strictly on your personal device. No financial transaction data is uploaded to remote servers.

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🏛️ OFFICIAL SOURCES OF GOVERNMENT INFORMATION:
All scheme guidelines, interest rates, eligibility rules, and official downloadable forms referenced in this app are sourced directly from publicly accessible official Government of India portals:
1. National Savings Institute (Official Rules & Forms Portal):
https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=38
2. National Savings Institute (Home):
https://www.nsiindia.gov.in/
3. Department of Posts (India Post - Post Office Savings Schemes):
https://www.indiapost.gov.in/Financial/Pages/Content/Post-Office-Saving-Schemes.aspx
4. Ministry of Finance / Department of Economic Affairs:
https://dea.gov.in/
5. India Post POSB Portal:
https://posbseva.indiapost.gov.in/

⚠️ STATUTORY DISCLAIMER (NON-AFFILIATION NOTICE):
This application does NOT represent a government entity. This application is an independent financial planning and estimation utility tool and is NOT affiliated with, authorized by, endorsed by, or connected to the Government of India, India Post, the Department of Posts, the Reserve Bank of India (RBI), or any government ministry. It does not provide government banking or financial transactions.
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