STP Calculator (Systematic Transfer Plan)
Model monthly transfers from a liquid/debt fund into an equity mutual fund and compare total returns against staying in debt.
How the STP Calculator (Systematic Transfer Plan) works
Model monthly transfers from a liquid/debt fund into an equity mutual fund and compare total returns against staying in debt. Below is the exact mathematical or algorithmic model used by this investment utility, along with its key operating assumptions.
Each month transfers a fixed sum from the liquid fund (earning r_debt) to the equity fund (earning r_equity).Step-by-step workflow
- Set your starting capital, rate, or tenure in the STP Calculator (Systematic Transfer Plan) controls (or pick a quick INR benchmark preset).
- The calculation engine applies Each month transfers a fixed sum from the liquid fund (earning r_debt) to the equity fund (earning r_equity). on every change and separates principal from compounded gains or interest.
- Inspect the visual chart breakdown and adjust sliders to stress-test lower returns, higher inflation, or extra prepayments.
Worked example & key advantages
Parking ₹12 Lakh in a liquid fund (6.5%) and transferring ₹1 Lakh/month into equity (12%) over 12 months averages market entry while earning liquid returns.
Why use this STP Calculator tool
- Transparent compounding and amortization math (STP Calculator) with Indian Lakh and Crore formatting.
- Side-by-side visual charts showing how tenure, rate resets, or step-ups change lifetime wealth.
- 100% browser-local execution—your loan, investment, and tax figures are never uploaded or stored on a server.
Important Assumptions & Scope
- Pre-tax returns are modeled; short-term capital gains on debt transfers are excluded.
Frequently Asked Questions — STP Calculator
Clear answers to common questions about methodology, edge cases, and privacy.
Why use an STP instead of investing a lumpsum directly?
An STP staggering deployment over 6–12 months reduces market-timing risk while your uninvested balance earns liquid-fund returns.
Does the STP Calculator (Systematic Transfer Plan) send my financial or salary data to a server?
No. All calculations inside the STP Calculator (Systematic Transfer Plan) run 100% locally in your browser using deterministic TypeScript formulas. Your income, loan, or investment figures are never uploaded, stored, or shared.
How can I share or bookmark a scenario in the STP Calculator?
Click '☆ Save to Workspace' in the header to pin the STP Calculator to your local browser dashboard, or copy the page URL to reference this utility anytime.