Can I use STP to invest in any mutual fund?

STPs are generally allowed within the same fund house. Check with your AMC for eligible combinations.

Why do we assume returns on both source and target funds?

Because the source fund continues to earn returns until the transfer, and the target fund starts growing once it receives each installment.

Does increasing the transfer amount improve returns?

Not always. It depends on the return rate of the target fund and your transfer schedule. Use the calculator to test different scenarios.

Can I use STP for short-term goals?

STP works best when transitioning into equity gradually. For short-term goals, debt or hybrid options may be more appropriate.

Financial Planning ToolsSTP Calculator

Withdrawal & Transfer

STP Calculator

Model periodic transfers between funds and estimate the value of the source and destination investments.

In Short

An STP calculator models moving a fixed amount each month from a source fund into a target fund. Both legs keep earning returns, so you see how the source depletes and the target grows into your final corpus.

Your STP Plan

Drag a slider or type a value.

Source fund amount

₹

₹0₹25L₹50L₹75L₹1Cr

Transfer per month

₹

₹0₹25K₹50K₹75K₹1L

Source return (p.a.)

0%13%25%38%50%

Target return (p.a.)

0%13%25%38%50%

Time period

1Y7131925Y

Step up transfer yearly

Increase the monthly transfer each year.

Projected Value

Total value after 5 yrs

₹70,07,784

Source Target

Starting corpus₹50,00,000

Target fund value₹40,17,064

Source fund left₹29,90,721

Est. returns₹20,07,784

Total transferred

₹30,00,000

Target return

12% p.a.

Funds Commonly Used in STP Strategies

Funds are shown for information only. Read all scheme-related documents carefully before investing.

What Is an STP Calculator?

A systematic transfer plan calculator estimates the outcome of gradually shifting money from one fund to another — typically from a lower-risk source fund into an equity target fund to average out market timing.

The source fund earns returns while idle; each monthly transfer then compounds in the target fund until the plan ends or the source runs out.

What You Enter

• Source fund amount to start with.
• Fixed amount to transfer every month.
• Expected return on the source fund (while idle).
• Expected return on the target fund.
• Transfer duration, with an optional yearly step-up.

Good to know

The transfer stops automatically once the source fund is exhausted. A larger monthly transfer moves money into the target fund faster but empties the source sooner.

Frequently Asked Questions

An STP calculator helps you estimate the final value of your investments when you transfer funds gradually from one scheme to another—usually from a debt fund to an equity fund.

Related Calculators

SIP Calculator

Estimate monthly SIP maturity value.

SWP Calculator

Plan systematic withdrawals from your corpus.

Lumpsum Calculator

Project a one-time investment's growth.

Mutual Fund Calculator

Estimate returns for a specific mutual fund.

What Is an STP Calculator?

The source fund earns returns while idle; each monthly transfer then compounds in the target fund until the plan ends or the source runs out.

Frequently Asked Questions

An STP calculator helps you estimate the final value of your investments when you transfer funds gradually from one scheme to another—usually from a debt fund to an equity fund.

STP Calculator

Your STP Plan

Projected Value

Funds Commonly Used in STP Strategies

What Is an STP Calculator?

What You Enter

Frequently Asked Questions

What is the purpose of using an STP calculator?

Can I use STP to invest in any mutual fund?

Why do we assume returns on both source and target funds?

Does increasing the transfer amount improve returns?

Can I use STP for short-term goals?