STP calculator
An STP (systematic transfer plan) parks a sum in one fund, usually a low-risk debt fund, and moves a fixed amount from it to another fund, usually an equity fund, every month.
What a sum moved monthly from one fund to another is worth at the end
Your figures
₹
₹10,000₹10,00,00,000
₹
₹500₹10,00,000
%
1%20%
%
1%30%
years
1 year20 years
Value at the end₹8.1 L
- Left in the first fund
- ₹0
- In the second fund
- ₹8,13,458
- Value at the end
- ₹8,13,458
- Sum invested
- ₹6,00,000
Value at each year end
- Left in the first fund
- In the second fund
What if
Move twice as much
₹8,35,196
₹21,738 higher
The second fund 2% lower
₹7,83,082
₹30,376 lower
2 more years
₹10,32,876
₹2,19,418 higher
How it is worked out
Each month both funds earn a twelfth of their own yearly rate, then the transfer moves from the first to the second. The transfers stop when the first fund is empty.
Exit loads and tax on each transfer are not taken off.