Sukanya Samriddhi Yojana Calculator
Estimate SSY maturity for a girl child with yearly deposits, 15 deposit years, and 21-year maturity.
UseSenior citizen income scheme
SCSS Calculator India
Estimate Senior Citizens Savings Scheme quarterly payout, yearly taxable income, 5-year total interest, and maturity return of principal.
₹30,750 Quarterly payout5 yrs Term8.2% Rate
Inputs
Regular income after 60SCSS Calculator details
Result
Live estimateQuarterly interest payout
Yearly income₹1,23,000Four quarterly payouts.
5-year interest₹6,15,000Total payout over original term.
Principal at maturity₹15,00,000Deposit returned separately.
Monthly equivalent₹10,250For budgeting only; payout is quarterly.
Deposit cap checkWithin capPlanning cap is Rs 30 lakh.
Tax noteTaxableInterest is taxable at slab rate.
Estimate only. SCSS eligibility, rates, deposit limits, TDS, extension, premature closure, and tax rules should be verified before investing.
CA check
Planning viewKey assumptions
Deposit₹15,00,000SCSS principal used.
Interest rate8.2%Rate locked at opening.
Payout modeQuarterlyInterest is paid out, not compounded.
Principal ₹15,00,0005-year interest ₹6,15,000
Projection
20 rowsSCSS quarterly payout schedule
Shows quarter-wise interest payouts and cumulative interest for the 5-year term.
| Quarter | Interest payout | Cumulative interest |
|---|---|---|
| 1 | ₹30,750 | ₹30,750 |
| 2 | ₹30,750 | ₹61,500 |
| 3 | ₹30,750 | ₹92,250 |
| 4 | ₹30,750 | ₹1,23,000 |
| 5 | ₹30,750 | ₹1,53,750 |
| 6 | ₹30,750 | ₹1,84,500 |
| 7 | ₹30,750 | ₹2,15,250 |
| 8 | ₹30,750 | ₹2,46,000 |
| 9 | ₹30,750 | ₹2,76,750 |
| 10 | ₹30,750 | ₹3,07,500 |
| 11 | ₹30,750 | ₹3,38,250 |
| 12 | ₹30,750 | ₹3,69,000 |
| 13 | ₹30,750 | ₹3,99,750 |
| 14 | ₹30,750 | ₹4,30,500 |
| 15 | ₹30,750 | ₹4,61,250 |
| 16 | ₹30,750 | ₹4,92,000 |
| 17 | ₹30,750 | ₹5,22,750 |
| 18 | ₹30,750 | ₹5,53,500 |
| 19 | ₹30,750 | ₹5,84,250 |
| 20 | ₹30,750 | ₹6,15,000 |
SCSS Calculator India guide
Use this page for SCSS calculator, Senior Citizens Savings Scheme calculator, SCSS interest calculator, SCSS quarterly interest, and post office SCSS calculator searches.
SCSS is a retirement income product, not a compounding growth product. The investor receives quarterly interest and the principal separately at maturity.
As a CA note, SCSS interest is taxable. Senior citizens should compare Section 80TTB, Form 15H eligibility, TDS, and slab impact before relying on net cash flow.
SCSS Calculator FAQs
Is SCSS interest paid monthly?
No. SCSS interest is generally paid quarterly. The monthly equivalent shown here is only for budgeting.
Is SCSS interest taxable?
Yes. SCSS interest is taxable at slab rate, though senior citizens may have deductions or Form 15H options depending on facts.
Can SCSS be extended?
SCSS can generally be extended after maturity under scheme rules at the rate applicable to extension.