STP Calculator
Simulate a Systematic Transfer Plan using actual NAV history — invest a lumpsum in a liquid/debt fund and transfer a fixed amount monthly into an equity fund.
Select Funds & Parameters
At this rate, lumpsum transfers to destination in ~50 months
How STP works
You park a lump sum in a low-risk liquid or debt fund, then transfer a fixed amount every month into an equity fund. This averages out your equity entry price — just like a SIP, but funded from an existing corpus instead of fresh money.
- → Real NAV used for both funds each month
- → Source exhaustion detected automatically
- → XIRR computed on overall lumpsum
- → Regular-Growth plans only
STP vs Direct SIP
A direct SIP invests fresh money monthly. An STP moves an existing lump sum — so your idle money earns liquid fund returns while being deployed into equity over time. Ideal for year-end bonuses, matured FDs, or inheritance.
Choosing the right duration
Most financial planners recommend 12–18 months for STP from liquid to equity. Shorter durations (3–6 months) don't average out market volatility enough. Longer durations keep more money in lower-yielding liquid funds.
Tax note
Each monthly STP transfer from a debt fund is a redemption and may trigger capital gains tax. Short-term gains (under 3 years) are taxed at slab rate. Plan accordingly or consult your tax adviser.