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STP Calculator
Move money monthly from one fund to another — see both grow.

Your STP Setup

Transfer a fixed amount each month from a source into a target fund.

Source CorpusThe lump you start with in the source fund
₹1,00,000₹10,00,00,000
Monthly TransferMoved into the target fund each month
₹1,000₹10,00,000
Source Return (your assumption)Assumed return on the source (often a debt fund)
1%15%
Target Return (your assumption)Your assumption for the target fund — not a prediction
1%30%
DurationHow long the transfer runs
1 yr40 yrs
Target Built
₹16,31,792
Grown at your target return
Source Left
₹0
Remaining in source fund
Combined Value
₹16,31,792
Source + target at end
Months to Drain
45 mo
Source fully moved to target
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Breakdown

Source corpus₹10,00,000
Total transferred out₹11,18,517
Target built₹16,31,792
Source left₹0
Combined value₹16,31,792

STP spreads a lump gradually into a higher-return fund to reduce timing risk — instead of investing everything at once, you move ₹25,000 a month while the source keeps earning at your assumed 6%.

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AI Insights

DhanRadar AI

Your source earns 6% while draining — so the money waiting to be transferred is not idle. Over 5 yrs the source contributes ₹11,18,517 in transfers.

Target builds to ₹16,31,792 on your assumed 12% return. These are your own figures — actual market returns vary and are not predictable.

For education only — not investment advice. Returns are your own assumptions, not predictions; real markets vary.

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Lumpsum Calculator
See how a one-time investment grows over time.

Calculations are estimates for illustration only and assume a constant annual return, which real markets do not provide. DhanRadar is a research & analytics platform, not an investment advisor. Mutual fund investments are subject to market risks.