STP Calculator
Calculate systematic transfer plan returns from source to target fund.
STP Details
This calculation is an estimate. Actual mutual fund returns can vary based on market conditions, NAV fluctuations and fund expenses.
STP Report
Not calculatedYearly STP Schedule
Enter STP details to generate the schedule| Year | Source Balance | Amount Transferred | Target Balance | Total Value |
|---|---|---|---|---|
| Your detailed schedule will appear here. | ||||
Report generated by TheProfitEra™ on . Source and target fund values are calculated using monthly compounding on remaining and accumulated balances respectively.
Estimate how scheduled transfers from a source fund to a target fund may change your portfolio over time.
How Does the STP Calculator Work?
The calculator grows the source balance at its assumed rate, transfers the selected monthly amount and applies the target rate to the transferred balance.
STP Calculator Formula
The monthly simulation applies source balance × (1 + source monthly rate), subtracts the transfer and grows the target balance plus transfer at the target monthly rate.
Example Calculation
Transferring ₹10,000 per month from a ₹5,00,000 source balance for 5 years lets you compare assumed 6% source and 12% target returns.
How to Interpret the Result
Review the source, target, and combined portfolio paths to understand how transfer size and assumptions affect the illustration over time.
Important Limitations
This model does not include fund-specific costs, taxes, exit loads, market volatility, or the actual performance of either fund. STP outcomes are not guaranteed.
Benefits of Using a STP Calculator
Compare the projected source and target fund balances.
Understand the effect of transfer amount and duration on portfolio value.
Review a year-wise schedule for staged investment planning.
Frequently Asked Questions
What is an STP?
A Systematic Transfer Plan moves a predefined amount periodically from one mutual fund scheme to another.
Are STP results guaranteed?
No. Both assumed fund returns and actual market values can differ, and taxes or exit loads may apply.
Why are source and target returns separate?
The two investments may have different risk and return characteristics, so the calculator models them independently.