STP Calculator (Systematic Transfer Plan)

Have a lumpsum but worried about investing it all at once? An STP keeps it in a liquid fund and moves a fixed amount into an equity fund every month. See the monthly transfer, the extra interest earned while waiting and the final value.

Estimated value at the end
₹0
₹0Monthly transfer
₹0Interest earned in liquid fund
₹0If invested in equity on day one
MonthTransferredLeft in liquid fundEquity fund value

Mutual fund investments are subject to market risks. Real returns vary; STP mainly reduces the risk of investing everything at a market peak.

How an STP works

  1. You invest the full lumpsum in a liquid fund, where it earns a steady, low-risk return.
  2. Every month a fixed amount moves automatically into the equity fund you chose.
  3. After the last transfer, everything is in equity and keeps growing for the rest of the period.

The calculator moves an equal share each month and sends whatever interest is left in the liquid fund with the last transfer.

STP vs lumpsum vs SIP

An STP sits between the two: the money is already set aside (unlike a SIP from salary) but enters equity gradually (unlike a lumpsum). See all three side by side in the SIP vs lumpsum vs STP calculator.

Common STP choices

Frequently asked questions

What is the best STP period?
6 to 12 months is common for equity funds. Longer periods reduce timing risk further but keep more money out of equity for longer.
Is STP better than investing a lumpsum directly?
If markets rose smoothly, a direct lumpsum would end slightly higher, and the calculator shows that difference honestly. STP's real benefit is protection against a sharp fall soon after you invest, which no smooth calculation can show.
Is each STP transfer taxed?
Yes. Each transfer sells units of the liquid fund, so the small gain on those units is taxed at your slab rate. Because liquid fund gains are small, the tax is usually small.
Which source fund is used for STP?
Usually a liquid, overnight or ultra-short debt fund of the same fund house, because STP works within one AMC.

Related tools

📈SIP CalculatorEstimate mutual fund SIP value, with optional yearly step-up.💰Lumpsum CalculatorWhat a one-time mutual fund investment could grow to, in today's money too.🏦SWP Calculator (Systematic Withdrawal Plan)Monthly income from your corpus: how long it lasts and the safe amount.🌅SIP to SWP CalculatorSIP now, monthly pension later: corpus and the income it can pay.⚖️SIP vs Lumpsum vs STP CalculatorSame money, three ways to invest it: compare the final values.⏳SIP Cost of Delay CalculatorHow much less you end up with if you start your SIP a few years late.

Last updated: 2026-11-01