STP Calculator
Should I move my lumpsum in gradually?
All at once
₹33.00L
Staggered via STP
₹32.12L
Cost of staggering
₹88.4K
lump sum wins
Each transfer
₹83,333
over 12 months
What this does and does not tell you
On a constant upward return, investing everything immediately always wins — money in the market longer earns more, so the ₹88.4K gap above is the arithmetic cost of waiting. What this model cannot capture is the case STP actually exists for: entering just before a sharp fall. Staggering buys protection against bad timing and against your own reaction to it, and pays for that protection with expected return.
Your transfer plan
₹10.00L
12 months
6%
12%
10 yrs
What this calculation assumes
- •Both options are modelled on constant returns, which structurally favours investing immediately.
- •Each STP tranche earns the source fund return until it transfers, then the target return for the remaining period.
- •Exit loads on the source fund and capital gains on each transfer are not modelled — both are real costs of an STP.
- •This model cannot capture the reason STP exists: protection against entering just before a sharp fall.
Illustrative only. These figures assume constant rates and do not predict actual returns. Markets, taxes and inflation vary. This is educational information, not financial advice — consult a SEBI-registered adviser before making investment decisions.
About this calculator
Compare investing a lumpsum all at once against transferring it into equity in instalments.