Input type
Smart Transfer Planner
STP calculator for systematic fund transfers
Enter your source fund amount, monthly transfer, source and destination returns, and transfer period to estimate final values of both funds.
Dual fund tracking
Monthly transfer
Balance visibility
Best for
Lumpsum deployment
Output
Both fund balances
Enter STP details
Set source fund amount, monthly transfer, return rates, and tenure.
Before you calculate
- Source fund (e.g., liquid/debt) earns returns while the transfer amount moves to destination.
- Destination fund (e.g., equity) accumulates the transferred amounts with its return rate.
- If source balance depletes before the term ends, transfers stop.
Why use STP?
STP lets you park a lumpsum in a stable debt fund and systematically transfer to equity, reducing the risk of investing a large amount in equity all at once.
About Systematic Transfer Plan
An STP allows automatic transfer of a fixed amount from one mutual fund to another at regular intervals. It is a popular method to gradually deploy a lumpsum into equity.
Source vs destination fund
Typically, a liquid or overnight fund serves as source, while diversified equity or index funds serve as destination for higher long-term growth potential.
STP vs direct SIP
STP is suitable when you have a lumpsum but want equity exposure spread over time. SIP is more suitable for regular salary-based investments.
Tax implications
Each transfer from source fund is treated as a redemption. Short-term gains from source fund transfers may attract tax. Keep this in mind during planning.
Before final decision
STP returns depend on actual fund performance. This calculator uses fixed return assumptions for estimation purposes only.