Investment calculator
STP Calculator
A Systematic Transfer Plan (STP) parks a lumpsum in a lower-volatility fund and moves a fixed amount into another fund at regular intervals.
Your details
Total transferred
₹12,00,000
Estimated source fund balance
₹38,970
Estimated destination fund value
₹12,76,650
Estimated total value
₹13,15,620
Value at end of period
- Source fund₹38,970 (3%)
- Destination fund₹12,76,650 (97%)
12 transfers of up to ₹1,00,000 each (12 × month).
Transfer summary
Transfer schedule
| Month | Source balance | Destination value | Total |
|---|---|---|---|
| 1 | ₹11,06,220 | ₹1,00,949 | ₹12,07,169 |
| 2 | ₹10,11,909 | ₹2,02,856 | ₹12,14,765 |
| 3 | ₹9,17,065 | ₹3,05,729 | ₹12,22,794 |
| 4 | ₹8,21,685 | ₹4,09,579 | ₹12,31,264 |
| 5 | ₹7,25,765 | ₹5,14,415 | ₹12,40,180 |
| 6 | ₹6,29,303 | ₹6,20,245 | ₹12,49,548 |
| 7 | ₹5,32,296 | ₹7,27,079 | ₹12,59,375 |
| 8 | ₹4,34,740 | ₹8,34,927 | ₹12,69,667 |
| 9 | ₹3,36,633 | ₹9,43,798 | ₹12,80,431 |
| 10 | ₹2,37,971 | ₹10,53,703 | ₹12,91,674 |
| 11 | ₹1,38,751 | ₹11,64,650 | ₹13,03,401 |
| 12 | ₹38,970 | ₹12,76,650 | ₹13,15,620 |
Formula used
- Each period: Source = (Source − Transfer) × (1 + iₛ); Destination = (Destination + Transfer) × (1 + i_d)
- iₛ and i_d are the per-period equivalents of the assumed annual returns.
Assumptions
- Transfers happen at the start of each period.
- Returns are assumed constant for illustration. Taxes and exit loads on transfers are ignored.
Scheme rates and rules as on: October–December 2026 quarter. You can change rates in the calculator.
Disclaimer
This calculator provides illustrative estimates only, based on the inputs and assumptions you enter. Results are not guaranteed, do not reflect the performance of any specific product, and do not consider taxes, charges or inflation unless stated. They are not investment advice. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
Would you like to discuss your result? Message us on WhatsApp or book a consultation.
Related calculators
- SIP CalculatorEstimate how a monthly SIP could grow over time.
- Goal SIP CalculatorFind the monthly SIP needed to reach a target amount.
- Mutual Fund CalculatorProject lumpsum or SIP investments in mutual funds.
Let's talk
Ready to plan your next financial step?
Book a no-obligation conversation with Roopesh Agarwal at our Gomti Nagar office, over a call or on WhatsApp.