🔁 STP (Systematic Transfer Plan) Calculator Monthly · Light · Mobile‑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 step‑up in the installment.


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 “Deplete in N months”, we solve for the installment (with your timing & step‑up) so the source ends near ₹0 after N months.

🎯 STP Outcome

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

Status

Ready. Edit inputs — results update instantly.

Installment (if solved)

View month‑wise schedule