STP Calculator
Should I move my lumpsum in gradually?
All at once
₹31.06L
Thirty one lakh five thousand eight hundred forty eight
Staggered via STP
₹30.29L
Thirty lakh twenty eight thousand eight hundred thirty
Cost of staggering
₹77.0K
Seventy seven thousand eighteen
lump sum wins
Each transfer
₹83,333
Eighty three thousand three hundred thirty three
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 ₹77.0K 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
Ten lakh
Twelve
Six
Twelve
Ten
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.
About this calculator
Compare investing a lumpsum all at once against transferring it into equity in instalments.