STP Calculator
A Systematic Transfer Plan, or STP, moves a fixed amount from one mutual fund to another every month — usually from a low-risk debt or liquid fund into an equity fund. This calculator shows what you can expect to accumulate in the destination fund and what's left in the source. Ideal when you have a lumpsum but want phased equity entry to ride out market timing.
Adjust Parameters
Pre-filled from Helios Mid Cap Fund - Regular Plan - Growth PlanAt this transfer rate, source depletes in ~12 months
₹6,00,000
Lumpsum
₹0
Source Remaining
₹6,67,404
Dest Fund Value
₹6,67,404
Total Value
Total Gain
₹67,404
Absolute Return
+11.23%
Months Transferred
13
Portfolio Growth Over Time
Returns shown are estimated at fixed assumed rates. Actual returns vary. Mutual fund investments are subject to market risks.
Need Guidance?
Our experts will help you plan the right STP strategy.
How STP works
You park a lumpsum 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.
- → Source earns liquid/debt return while waiting
- → Destination grows at equity return
- → Blended return better than all-in on day one
How an STP calculator works
Think of two pots running at the same time. The source fund — a liquid or debt fund — keeps your money earning a modest return while it deploys. Each month, a fixed amount leaves the source and enters the destination equity fund, compounding at the higher target return. Like a SIP, but funded from your existing lumpsum rather than fresh monthly savings.
Worked example
A ₹12 lakh lumpsum in a liquid fund earning 6%, transferring ₹50,000 per month into an equity fund at 12%, takes about 24 months to fully deploy. At the end, the destination fund holds about ₹13.4 lakh, and the gross return on the original ₹12 lakh works out to roughly 8.7% blended — better than leaving it in liquid, with a third of the volatility of going all-in on day one.
When to use this versus our other tools
Use STP when you have a lumpsum but want to time-average your equity entry instead of buying everything on one day. If you're investing fresh monthly savings instead of a stockpile, use SIP Calculator. To see what an STP actually delivered between two real funds across real NAV history, use the Real STP backtest.
Frequently Asked Questions
How long should an STP run?▾
Typically 6–24 months. Beyond that, the source fund balance is small enough that the staging benefit fades.
What's the right source fund?▾
Liquid or ultra-short-duration debt — low volatility, instant redemption, no exit load.
Are STP transfers taxed?▾
Yes. Each transfer is treated as a redemption from the source. Liquid-fund STP transfers usually attract minimal tax because the gain accrued in 30 days is small.
Can I STP between any two funds?▾
Within the same fund house, yes. Cross-AMC STPs are not supported by the AMC platforms — you'd need to redeem and re-invest.
STP vs SIP — which is better?▾
STP if you already have a lumpsum sitting in cash; SIP if you're investing fresh savings. They aren't competing strategies — they solve different problems.
Does the destination fund matter for the calculator?▾
Only the assumed return rate. Use the Real STP backtest to plug in actual fund NAVs.