STP Calculator
Calculate returns from a Systematic Transfer Plan (STP) between mutual funds with this online STP calculator.
How is STP Return Calculated?
A Systematic Transfer Plan (STP) moves a fixed amount every month from a source fund (typically a low-volatility debt/liquid fund) into a destination fund (typically equity). Each month, both funds earn their own return, and the transfer amount moves from source to destination — similar to running an SIP funded from an existing lumpsum instead of fresh cash.
The transfer schedule stops early if the source fund is fully depleted before your chosen duration ends. Use the calculator above to see exactly how your money moves between the two funds each month.
Frequently Asked Questions
Why use an STP instead of investing a lumpsum directly?
An STP spreads your equity entry over time instead of investing the entire lumpsum at once, reducing the risk of investing everything right before a market downturn — while the uninvested portion continues earning returns in the source fund.
What happens if the source fund runs out before my chosen duration?
The transfers simply stop once the source fund balance reaches zero — the destination fund continues to hold and grow whatever has already been transferred into it.
Read more: STP explained: moving from lump sum to equity safely