STP calculator
Enter your lump sum and how many months to spread it over. See what it could grow to, compared with investing at once.
- Monthly transfers
- Compared with lump sum
- Free, no sign-up
STPs and tax
Every transfer redeems units from the source fund, which can be a taxable gain.
Questions people often ask
How are debt fund gains taxed?
Debt funds bought on or after 1 April 2023 are taxed at your slab rate, however long you hold them.
Is there an exit load?
Liquid and ultra-short funds usually have little or none after a few days; check the scheme.
How an STP works
From a safe fund to equity, in steps.
- Park the lump sum in a debt or liquid fund.
- Move a fixed amount to equity each month.
- Both parts keep growing until you compare.
Last reviewed 9 October 2026. The rules in this calculator come from these official sources.
- Investor education: how investments grow, and their risks Securities and Exchange Board of India
Common questions
What is an STP?
A systematic transfer plan moves a fixed amount from one fund (usually a liquid or debt fund) to another (usually equity) every month.
Why use an STP?
To avoid investing a big sum just before a market fall. Your money earns debt returns while it waits.
Does an STP earn more?
With steady returns, no: investing all at once wins if equity beats debt. The benefit is lower timing risk, which this calculator can't show.
How long should an STP run?
Commonly 6 to 12 months for large sums.
Is each transfer taxed?
Yes, each is a redemption from the source fund, so gains on it may be taxed.
