STP Calculator
Lump sum comparison assumes the full amount invested directly in equity at the start. STP reduces timing risk but may result in lower returns in strongly trending markets.
| Month | STP Transfer | Liquid Balance | Equity Balance | Total Corpus |
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Results shown are hypothetical and illustrative only. They assume constant rates of return, which do not reflect actual fund performance. Actual returns from mutual funds vary based on market conditions, fund selection, and economic factors.
Mutual fund investments are subject to market risks. This calculator does not constitute financial advice. Please consult a AMFI-registered advisor before planning any STP strategy.
What is a Systematic Transfer Plan?
A Systematic Transfer Plan (STP) is a mutual fund facility that allows investors to automatically transfer a fixed amount from one fund (usually a liquid or debt fund) to another fund (usually an equity fund) at regular intervals — typically monthly. It is the ideal solution for investors who have a lump sum to invest but want to avoid the risk of investing everything at once in volatile equity markets.
With STP, your lump sum sits in a liquid or ultra-short-term fund (earning steady 5–7% returns) and a fixed amount is transferred to your equity fund each month. This gives you the benefit of rupee-cost averaging — buying more equity units when markets are low and fewer when markets are high — while still earning returns on the uninvested portion.
STP is particularly powerful for large windfall amounts (bonuses, property sale proceeds, inheritance) where investing everything at once feels risky, or for investors who want to transition from a conservative portfolio to an equity-heavy one without timing the market.
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For Illustrative Purposes Only: This STP Calculator provides mathematical estimates based on user-entered inputs and assumed constant rates of return. Results do not represent actual fund performance or guaranteed outcomes.
Market Risk: Mutual fund investments are subject to market risks. Returns from equity funds can vary significantly from year to year. Liquid fund returns are more stable but also not guaranteed. A poor sequence of returns during the STP period can result in lower effective returns than projected.
Costs Not Included: This calculator does not account for fund expense ratios, exit loads on the source fund, transaction charges, or applicable taxes (LTCG, STCG, STT).
Not Financial Advice: This tool is for educational and planning purposes only. Peacock Wealth Management is a AMFI-registered investment advisor. Please consult your advisor before planning any STP strategy.
Peacock Wealth Management Pvt. Ltd. | AMFI Registered Distributor Investment Advisor | Kilpauk, Chennai — 600010 | info@peacock.org.in | +91 93639 63411