STP Calculator

Our STP calculator helps you calculate the returns on your systematic transfer plan from one scheme to another.

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Investment Amount (Liquid Fund)

Interest on Liquid Fund

Interest on Equity Fund

Duration (Months)

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STP Frequency

Monthly Annually
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  • Total Investment ₹5,00,000 (5.00 L.)
  • STP Per Month ₹43,206 (43.21 K.)
  • Return On Liquid ₹18,474 (18.47 K.)
  • Return on Equity ₹31,955 (31.95 K.)
  • Future Value ₹5,50,429 (5.50 L.)

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What is the STP Calculator?

An STP calculator is a simple tool that helps investors plan and calculate the amount they want to transfer systematically from one mutual fund scheme to another over a specific period. It shows how much money will be moved and helps you estimate returns, making it easier to manage your investments efficiently.

How Does the Systematic Transfer Plan Calculator Work?

A Systematic Transfer Plan (STP) calculator helps you plan and calculate the transfer amount from one Mutual Funds to another at regular intervals. Here's how it works step by step:

Step 1: Specify the Transfer Amount and Frequency

Choose how much money to transfer and how often, such as quarterly or annually.

Step 2: Deduct and Invest in the Growth Fund

You choose a fixed amount that will deducted from the source fund (liquid fund) and invested in the growth or target fund.

Step 3: Calculate the Interest Earned

Interest will be calculated for both:

  • The source fund: based on the remaining balance after the transfer.
  • The target fund: including compounded interest on the transferred amount.

Step 4: Show Final Values

The final value will include:

  • The growth fund's total (transferred amount + profit).
  • Interest earned on the remaining balance in the source fund.

Example of Systematic Transfer Plan Calculator Works:

Now, imagine you invest Rs.5,00,000 in a liquid fund, earning 7% interest annually and transfer Rs.9,843 monthly to an equity fund with 11% returns for 60 months. By the end, your equity fund will grow to Rs.8,41,019, and the liquid fund will hold Rs.68,109; this means your final value will be Rs.9,09,128. Check the table below for more clarity:

Month Opening Balance (Rs.) STP Amount (Rs.) Liquid Returns (Rs.) Equity Returns (Rs.) Equity Fund Value (Rs.)
1 500,000 9,843 2,859 90 9,933
2 493,016 9,843 2,819 181 19,958
3 485,991 9,843 2,778 273 30,074
60 9,843 9,843 0 7,175 789,886

How to Use STP Calculator via MySIPonline?

Here's how you can use the STP Calculator on MySIPonline:

  1. Input the Investment Amount

You enter the total amount you want to invest or transfer from one mutual fund (source fund). suggested to choose a low-risk fund, eg liquid or debt funds.

  1. Choose the Transfer Frequency

Decide how often you want to transfer Mutual Funds (e.g., weekly, monthly, or quarterly).

  1. Set the Transfer Amount

Specify the amount to be transferred each time.

  1. Select the Duration

Choose how long you want the transfers to continue (e.g., 6 months, 1 year).

  1. Interest/Growth Rate (Optional)

Some calculators may let you input an expected rate of return for both the source and target funds to estimate growth.

  1. Review Results

The systematic transfer plan calculator displays how much will be transferred each time, the remaining balance in the source fund, and the accumulated value in the target fund.

  1. Adjust & Plan

You have the flexibility to adjust your investment amount to meet your financial goals. Moreover, it is easy to change the transfer amount, frequency and investment duration via the STP calculator.

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Frequently Asked Questions

What is the Full Form of STP?
The STP full form stands for systematic transfer plan. It helps you calculate the transfer amount from one mutual fund scheme to another.
What is the Minimum Amount Per Transfer in an STP?
As per the SEBI, there is no minimum amount on the systematic transfer plan. However, many AMCs set Rs.1000-Rs5000 limit on STP plans.
Can You Change the STP Amount or Date After Initiating it?
Yes, many AMCs offer the flexibility to modify the date and frequency after initiating a systematic transfer plan.
How to Use STP Calculator Excel?
Yes, you can use the STP calculator in Excel by entering the investment amount, transfer frequency and investment duration to get the final value.
Which is Better STP or SIP?
An STP and SIP both have different purposes, STP transfers money between funds while SIP helps you invest in mutual funds.

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Disclaimer : The STP Calculator is for illustration purposes only and does not promise specific results. Mutual fund investments are subject to market risks and other factors. Always consult a financial advisor before making any investment decisions.

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