๐Ÿ” STP (Systematic Transfer Plan) Calculator Monthly ยท Light ยท Mobileโ€‘first

Simulate shifting money from a source fund (e.g., debt/liquid) to a target fund (e.g., equity) every month. Choose a fixed installment or compute the installment to deplete the source in N months. We model monthly compounding on both funds and optional annual stepโ€‘up in the installment.


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What this model assumes

Monthly engine

Each month, both funds grow at their monthly rates (annual/12). If timing is End, we grow first then transfer; if Beginning, we transfer then grow. Transfer cannot exceed the current source balance.

Duration mode

When set to โ€œDeplete in N monthsโ€, we solve for the installment (with your timing & stepโ€‘up) so the source ends near โ‚น0 after N months.

๐ŸŽฏ STP Outcome

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Target share of portfolio
Total Transferred
โ‚น0
Ending Target Value
โ‚น0
Ending Source Value
โ‚น0
Total Portfolio (End)
โ‚น0
Net Growth vs Start
โ‚น0
Actual Months Run
0

Status

Ready. Edit inputs โ€” results update instantly.

Installment (if solved)

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View monthโ€‘wise schedule