STP calculator
If you’ve got a lump sum you’d rather move in gradually, an STP — a systematic transfer plan — shifts it from one scheme into another in instalments. This shows what’s left in the first scheme and what has built up in the second.
Illustrative only — this is not a projection or a promise of returns. Every figure below is arithmetic applied to the rate of return you typed in. H2 Investment is not suggesting that rate, forecasting it, or promising it. Returns are market-linked, vary from year to year, and can be negative.
The two figures are what’s left in the source scheme and what has built up in the target, at the rates you entered — an illustration, not a projection.
What this is, and what it isn’t
This is arithmetic on the numbers you typed. It compounds them at the rate you chose and shows you the result. That is all it does.
It is an illustration, not a projection. It is not a forecast, not a recommendation, and not an offer. Nobody knows what any investment will return, so the rate you enter is an assumption you are making, not a rate anyone is offering you. Real returns arrive unevenly — good years, flat years and falling years, in an order nobody can predict — and that order matters as much as the average.
Use the output the way you’d use a rough estimate on the back of an envelope: to see whether the shape of a plan is roughly right, not to decide what a specific rupee amount will be worth on a specific date.
Whether an STP works out better than investing the whole sum at once depends entirely on what markets did during the transfer, which is unknowable in advance. This calculator picks no side.
What this calculation assumes
Two rates run at once: money still waiting in the source scheme earns one rate, money already moved earns another. The assumptions:
- Both rates hold steady for the whole transfer. Neither moves, in either direction.
- Every transfer goes through. Enough balance remains in the source scheme each time, and no instalment is skipped.
- No tax on the transfers. Each instalment redeems units from the source scheme and may be taxable in the year it happens. This is the cost people most often miss with an STP.
- No exit load on either side.
- The order of returns is ignored. An STP is often chosen precisely because of what a falling market does mid-transfer, and that is exactly what a fixed-rate illustration cannot show.
New to the idea behind this? SIP vs lump sum walks through it in plain language.
About these calculators
What is a systematic transfer plan (STP)?
An STP moves a lump sum from one scheme into another in fixed instalments instead of all at once. This tool illustrates what that looks like month by month from the figures you enter; it is arithmetic, not advice on whether to use one.
Is this figure a projection of what I will earn?
No. Every figure here is an illustration produced from the numbers you type in, at a rate of return you choose yourself. It is arithmetic, not a forecast: mutual fund returns are market-linked and not assured, and the actual outcome will differ.
What rate of return should I assume?
That assumption is yours to make — the tool leaves it in your hands on purpose. A rate you enter is an illustration, not a rate we are promising or suggesting is likely. If you want to understand what drives returns in different kinds of funds, the explainers do that without putting a number on the future.
Does this account for tax, expense ratio or exit load?
Unless a field asks for it, no — the core calculators show how compounding works on the inputs you give. Real outcomes are reduced by the scheme’s expense ratio, by any exit load, and by tax on your gains.
Why do your figures differ from another site’s calculator?
Almost always because of the assumptions, not the maths — the return rate, whether tax and costs are included, and how compounding frequency is handled. Change those to match and the numbers converge. Every one of these is an illustration of arithmetic, not a claim about a real scheme.
Is an SIP better than investing a lump sum?
Neither is universally better — they suit different situations. An SIP spreads your investment across many dates, which fits money that arrives monthly and takes the timing decision off your plate; a lump sum puts money to work at once, which fits money you already hold. Which applies to you depends on your cash flow and goal, so it is a conversation rather than a rule. SIP or lump sum, compared goes deeper.
Talk to us
If you’d rather go through your own numbers with a person than a form, that’s what we’re for. You’ll speak to Himani, who runs H2 — the same person every time.
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