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STP Calculator
Estimate how a lump sum parked in one fund and moved monthly into another could grow. Both funds use constant assumed returns.
Model transfers from one fund to another over time.
Free to run · to save projections to your live dashboard
Enter values and click Calculate to see results
Worked example
Calculated by the same engine as the calculator above.
- Inputs
- Source Corpus
- ₹10,00,000
- Monthly Transfer
- ₹10,000
- Source Return (% p.a.)
- 8
- Target Return (% p.a.)
- 12
- Transfer Period (Years)
- 5
- Result
- Total Transferred
- ₹6,00,000
- Source Remaining
- ₹7,55,077
- Target Corpus
- ₹8,24,864
- Combined Value
- ₹15,79,941
Formula
S_m = S_(m-1) × (1 + i_s) - T; G_m = (G_(m-1) + T) × (1 + i_t)
- S_m = source fund balance after month m (S_0 = source corpus)
- G_m = target fund balance after month m (G_0 = 0)
- T = monthly transfer, capped at the source balance
- i_s, i_t = source and target annual returns / 12 / 100
- Combined value = S_n + G_n, where n = years × 12 rounded to whole months
Assumptions
- The source fund earns its monthly return first, then the transfer is moved out.
- Each transfer earns the target fund's return in the month it arrives (start-of-month in the target).
- Transfers stop growing once the source balance reaches zero; the transfer is capped at what is left.
- Exit loads, capital gains tax on each transfer and fund expenses are not included.
- Educational estimate only, not financial advice. Capitallytics does not execute transactions.
STP Calculator FAQ
Answers about how this calculator works.
What is an STP in mutual funds?
A systematic transfer plan moves a fixed amount at regular intervals from one scheme, often a debt or liquid fund, into another, often an equity fund. It spreads the entry into the target fund over time.
What happens if the source fund runs out?
The last transfer is limited to the remaining balance and no further money moves. The target fund keeps compounding until the end of the period.
Why is the combined value shown separately?
Combined value adds what is left in the source fund to the target fund corpus, so you can compare it with simply holding the lump sum in one fund.
Does this calculator include tax on transfers?
No. Each STP transfer is a redemption from the source fund and can be taxable, but the engine does not deduct tax or exit loads.