STP Calculator
Estimate how a Systematic Transfer Plan moves your lump sum from a source fund into a target fund, and what each side could be worth over time.
Plan your Systematic Transfer Plan (STP)
Configure your source fund lump sum and regular transfers to the destination fund.
Source fund (Debt/Liquid)
Destination fund (Equity)
All inputs are valid.
Your estimated outcome
After 5 years · 60 monthly instalments
Total Investment Value
₹27,93,663.54
Invested amount: ₹20,00,000.00
- Balance amount (Source fund)
- ₹20,58,894.97
- Destination fund value
- ₹7,34,768.56
- Total transferred
- ₹6,00,000.00
- Estimated gain
- ₹7,93,663.54
Illustrative estimates calculated using periodic compounding and transfers. Actual returns vary with market performance. Taxes, exit loads and transaction charges are excluded. Amounts are rounded to two decimals for display; totals use unrounded values, so displayed amounts may differ slightly when added. Positive amounts below one paisa are shown as less than ₹0.01.
Monthly breakdown
Starting investment: ₹20,00,000.00 in source fund
| Month | Source opening | Transfer amount | Source return | Source balance | Destination return | Destination balance | Total value |
|---|---|---|---|---|---|---|---|
| Month 1 | ₹20,00,000.00 | ₹10,000.00 | ₹10,833.33 | ₹20,00,833.33 | ₹0.00 | ₹10,000.00 | ₹20,10,833.33 |
| Month 2 | ₹20,00,833.33 | ₹10,000.00 | ₹10,837.85 | ₹20,01,671.18 | ₹66.67 | ₹20,066.67 | ₹20,21,737.85 |
| Month 3 | ₹20,01,671.18 | ₹10,000.00 | ₹10,842.39 | ₹20,02,513.57 | ₹133.78 | ₹30,200.44 | ₹20,32,714.01 |
| Month 4 | ₹20,02,513.57 | ₹10,000.00 | ₹10,846.95 | ₹20,03,360.51 | ₹201.34 | ₹40,401.78 | ₹20,43,762.30 |
| Month 5 | ₹20,03,360.51 | ₹10,000.00 | ₹10,851.54 | ₹20,04,212.05 | ₹269.35 | ₹50,671.13 | ₹20,54,883.18 |
| Month 6 | ₹20,04,212.05 | ₹10,000.00 | ₹10,856.15 | ₹20,05,068.20 | ₹337.81 | ₹61,008.93 | ₹20,66,077.13 |
| Month 7 | ₹20,05,068.20 | ₹10,000.00 | ₹10,860.79 | ₹20,05,928.99 | ₹406.73 | ₹71,415.66 | ₹20,77,344.65 |
| Month 8 | ₹20,05,928.99 | ₹10,000.00 | ₹10,865.45 | ₹20,06,794.43 | ₹476.10 | ₹81,891.76 | ₹20,88,686.20 |
| Month 9 | ₹20,06,794.43 | ₹10,000.00 | ₹10,870.14 | ₹20,07,664.57 | ₹545.95 | ₹92,437.71 | ₹21,00,102.28 |
| Month 10 | ₹20,07,664.57 | ₹10,000.00 | ₹10,874.85 | ₹20,08,539.42 | ₹616.25 | ₹1,03,053.96 | ₹21,11,593.38 |
| Month 11 | ₹20,08,539.42 | ₹10,000.00 | ₹10,879.59 | ₹20,09,419.01 | ₹687.03 | ₹1,13,740.99 | ₹21,23,160.00 |
| Month 12 | ₹20,09,419.01 | ₹10,000.00 | ₹10,884.35 | ₹20,10,303.36 | ₹758.27 | ₹1,24,499.26 | ₹21,34,802.62 |
Instalments 1–12 of 60
What is a Systematic Transfer Plan?
A Systematic Transfer Plan (STP) moves money from one eligible mutual fund scheme into another within the same fund house at regular intervals. A common use is to invest a lump sum in a debt or liquid fund, then gradually transfer it into an equity fund.
How is STP different from SIP?
A Systematic Investment Plan (SIP) invests fresh money from your bank account regularly. An STP transfers money you have already invested between two funds, without a fresh bank debit for each instalment.
How this calculator works
Enter your initial investment, transfer amount, transfer frequency (weekly, 15 days, monthly, quarterly, or yearly), duration in years and expected annual return for each fund. Each period, both existing balances earn their assumed periodic return. The transfer then leaves the source fund and enters the target fund at period end.
The estimate uses 52 weekly, 24 half-monthly, 12 monthly, 4 quarterly, or 1 yearly period per year. The 15 Days option represents two transfers per month, rather than a schedule of exact calendar dates. The transfer amount is per instalment at your selected frequency.
Periodic rate = Annual return percentage ÷ 100 ÷ Periods per year
Available source = Source opening balance × (1 + Source periodic rate)
Actual transfer = Smaller of scheduled transfer and available source
Source closing = Available source − Actual transfer
Target closing = Target opening × (1 + Target periodic rate) + Actual transfer
Estimated gain = Source final value + Target final value − Initial investment
If the source cannot cover a full transfer, the calculator transfers its remaining balance and stops subsequent transfers. The target fund continues growing through the selected duration. Total transferred is the sum of actual payments, including any source growth transferred. A partial final payment is a calculation assumption; actual schemes may apply different minimum balance and transfer rules.
An STP example
With ₹20,00,000 initially invested in the source fund, ₹10,000 transferred monthly for 5 years (60 months), a 6.5% expected source return and an 8% expected destination return, the balance amount in the source fund is estimated at ₹20,58,894.97 and the destination fund value is estimated at ₹7,34,768.56. The total investment value is ₹27,93,663.54 with an estimated gain of ₹7,93,663.54 on total transfers of ₹6,00,000.00.
Why investors use STP
- Spread a lump sum investment across multiple entry dates.
- Keep the amount awaiting transfer invested in the source fund.
- Follow an automated transfer schedule once registered with the fund house.
Spreading transfers does not guarantee a profit or prevent losses. Both funds remain subject to their investment risks.
Types of STP
- Fixed STP: the same scheduled amount each time. This calculator models fixed transfers at your selected frequency.
- Flexible STP: the transfer amount varies according to the scheme's rules.
- Capital appreciation STP: gains are transferred while the original principal stays invested, subject to scheme rules.
Is STP taxable?
Each transfer involves redeeming units in the source fund, so capital gains tax may apply depending on the fund and holding period. These estimates exclude taxes and exit loads. Check current rules with a qualified tax adviser before making investment decisions.
Frequently asked questions
What is an STP calculator?
It estimates how an existing lump sum is distributed between a source fund and a target fund over time using your transfer amount per instalment, selected frequency, duration and assumed returns. The results are illustrations, not guaranteed returns.
How is STP different from SIP?
SIP invests fresh money from your bank account. STP transfers an existing investment between eligible schemes within the same fund house, so each instalment does not require a new bank debit.
Is STP taxable?
A transfer redeems units from the source fund and can attract capital gains tax. Treatment depends on the fund, holding period and current tax rules. This calculator does not deduct tax or exit loads.
What happens if my source fund runs out before the tenure ends?
The calculator transfers any remaining source balance as a partial final payment, then stops transfers. The target fund continues to grow at your assumed return until the selected tenure ends. Actual schemes may have different minimum balance and transfer rules.
Can I change the transfer amount or frequency later?
Modification and cancellation options depend on the fund house and scheme terms. Check with your provider. This calculator models fixed transfers across weekly, 15-day, monthly, quarterly, and yearly frequencies. The 15 Days option uses two transfers per month (24 per year).
