Not sure where to start?
Enter Your Details
A. Initial Investment
B. STP Settings
Calculate STP By:
Total STP amount: ₹1,20,000 (12 months × ₹10,000)
C. Equity & Horizon
Continue SIP After STP?
Start a monthly SIP once the STP is complete
Your Results
Estimated Portfolio Value at Maturity
₹5,00,613
After 10 years
Initial Investment
₹2,00,000
Total STP Transferred
₹1,20,000
Remaining Liquid/Debt Value
₹1,49,915
Equity Value from STP
₹3,50,697
Total Estimated Value
₹5,00,613
Estimated Wealth Gain
₹3,00,613
💧 Liquid / Debt Fund
📈 Equity Through STP
Illustration only. Expected returns are assumptions used for calculation and are not guaranteed. Actual mutual fund returns may vary based on market conditions and fund performance. STP transactions may also have applicable exit loads and tax implications depending on the scheme and investor circumstances.
Portfolio Evolution Chart
About STP Calculator
Gradual Deployment
Systematically deploy your lumpsum into equity instead of investing all at once.
Source Fund Earns
Your Liquid/Debt fund continues to earn assumed returns while waiting to be transferred.
Per-Installment Growth
Each STP installment is compounded separately for its own remaining investment period.
Optional SIP
Continue a SIP after your STP ends to keep building wealth throughout the horizon.
What is an STP?
A Systematic Transfer Plan (STP) allows an investor to transfer money periodically from one mutual fund scheme to another, commonly from a Liquid or Debt Fund to an Equity Fund.
How does STP work?
Why use an STP?
- Gradual deployment of lumpsum reduces concentration risk at a single point in time
- Disciplined transfer into equity through a pre-set schedule
- Source fund continues to earn returns on the amount yet to be transferred
- Potential to reduce the impact of market volatility on entry timing
Note: STP does not guarantee better returns than lump-sum investing into equity. It is a risk-management and behavioural tool. Actual returns depend on market conditions and fund performance.
Disclaimer: All calculator results are estimates based on the inputs provided and assumed rates of return. Actual investment returns may vary based on market conditions, fund performance, and other factors. STP transactions may have applicable exit loads and tax implications depending on the scheme and investor circumstances. Past performance does not guarantee future results. Please consult with a SEBI-registered financial advisor for personalised advice.