STP Calculator
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Quick Summary
- See how a Systematic Transfer Plan shifts your lumpsum from debt to equity in stages, tracking growth and depletion month by month. Free calculator.
- For example, ₹10 lakh lumpsum, ₹1 lakh/month transferred over 10 months works out to Averages entry into equity over ~1 year.
- Built for investors with a lumpsum who want to phase it into equity gradually via a debt or liquid fund
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STP Details
Destination Fund Value
Total Transferred
₹0
Est. Returns
₹0
Source Balance Left
₹0
Why use an STP?
An STP moves a lumpsum into equity gradually instead of all at once, reducing the risk of investing at a market peak — while the uninvested balance keeps earning debt-fund returns instead of sitting idle. It's essentially a SIP funded from your own lumpsum rather than your monthly income.
How the STP Calculator Works
Your lumpsum sits in a source fund (usually debt/liquid) and a fixed amount is transferred out at regular intervals into a destination equity fund. The calculator simulates both sides — the source fund depleting and the destination fund's SIP-style growth — to project your combined position at the end of the transfer period.
Example Scenarios
| Scenario | Result |
|---|---|
| ₹10 lakh lumpsum, ₹1 lakh/month transferred over 10 months | Averages entry into equity over ~1 year |
| ₹5 lakh lumpsum, ₹25,000/month over 20 months | Slower, more risk-averse phased entry |
| ₹20 lakh lumpsum, ₹2 lakh/month over 10 months | Faster deployment for a more confident market view |
* Illustrative estimates assuming constant annual returns. Actual results vary with market conditions.
Frequently Asked Questions
An STP automatically transfers a fixed amount at regular intervals from one mutual fund scheme to another, usually from a debt or liquid fund into an equity fund, letting you deploy a lumpsum gradually while the uninvested portion still earns returns.
A SIP invests fresh money from your income every month. An STP moves money you've already invested from one fund to another — it's a way to phase a lumpsum into equity rather than investing it all at once, while your monthly income can separately fund a regular SIP.
Most investors run an STP over 6 to 24 months, long enough to average out short-term market volatility without leaving money in the source fund for so long that you miss out on equity market gains. Longer transfer periods suit larger lumpsums or more risk-averse investors.
Common Mistakes to Avoid
- Leaving money in the source fund for too long, missing out on equity market gains during a rally.
- Transferring too aggressively (very short duration), which defeats the purpose of averaging entry price.
- Forgetting that gains in the source (debt/liquid) fund are also taxable on each transfer.
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* Calculations assume constant annual returns. Actual mutual fund returns vary. Past performance is not indicative of future results. FD comparison uses 7% p.a. SIP returns are compounded monthly.
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