STP Calculator

An STP parks your lump sum in a lower-volatility debt fund and transfers a fixed amount into an equity fund each month, so your money enters the market gradually instead of all at once, reducing the risk of investing a large sum right before a downturn.

A SIP invests fresh money you contribute each month. An STP moves money you've already invested (sitting in a debt fund) into an equity fund over time — it's a transfer between two funds, not a new monthly contribution.

How many months it takes for the entire debt fund corpus to be transferred into equity at your specified monthly transfer amount, and the projected value of the equity fund by the time the transfer completes.

It reduces the risk of poor market timing — if equity markets fall shortly after a lump-sum investment, the full amount is exposed; an STP only exposes each month's transferred portion at a time.

No, both are assumptions you provide for projection. Actual debt and equity fund returns vary and are never guaranteed.