Scenario
₹10,000 SIP: flat vs 10% annual step-up over 15 years
Compare a flat ₹10,000 SIP with the same starting SIP that rises 10% every year—invested amounts and maturities side by side.
Illustrative result
Assumptions: ₹10,000/month · 12.00% p.a. · 15 years · step-up comparison at 10.00%/yr. Not a guarantee.
Total invested (flat)
₹18,00,000
Est. maturity (flat)
₹49,95,802
Wealth gained (flat)
₹31,95,802
Step-up: total invested
₹38,12,698
Step-up: est. maturity
₹85,97,871
Sensitivity check
Same scenario with alternate assumptions—use this to avoid anchoring on a single optimistic number.
| Assumption | Result |
|---|---|
| 8.00% p.a. | ₹34,60,382 |
| 10.00% p.a. | ₹41,44,703 |
| 12.00% p.a. | ₹49,95,802 |
How to read this
Step-ups raise both contributions and ending corpus if you can sustain them. The gap is not “free return”—it is mostly higher savings plus compounding on those extras.
Only step up when cash flow allows. Open the Step-Up SIP calculator to try 5% vs 10% increases.
- Confirm the assumptions match your cash flow and time horizon.
- Stress-test a more conservative rate, tenure or FOIR in the table above.
- Open the live calculator and save or share your customised case.
FAQ
- Are these maturity numbers guaranteed?
- No. They assume a constant annual return you choose. Real market-linked returns vary year to year.
- What should I change first?
- Start with a SIP you can sustain, then stress-test return and tenure. Prefer consistency over optimistic rate assumptions.
Related guides
Related scenarios
Scenario path /sip/10000-flat-vs-10pct-step-up-15-years · Aaru Wealth. Educational estimates only—not financial, tax or lending advice.