STP Calculator: A Real Historical Transfer Backtest
Backtest a Systematic Transfer Plan between two funds you choose, using real historical NAV for both.
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A Systematic Transfer Plan moves a fixed amount from one fund into another every month, instead of investing a lumpsum on a single day. This tool replays both funds' real historical NAV to show what your combined holding would genuinely be worth today.
Figures shown are a backtest computed from the fund's actual published NAV history for the period you selected, not an assumed rate of return. Past performance is not a guarantee, promise, or assurance of future results, and a different date range or fund can produce a very different outcome. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.
Why an STP Backtest Matters
Deciding whether to invest a lumpsum into equity all at once or spread it in gradually is one of the most common dilemmas investors with a windfall (a bonus, maturity proceeds, or sale of an asset) actually face. An STP is the structured way to spread that entry, but whether it actually helps depends entirely on what the market did during the transfer window, information an assumed-return model simply cannot supply.
A real historical backtest, run on the actual NAV path of both funds involved, shows you exactly how that specific transfer strategy would have played out, corrections, rallies, and all.
How the Backtest Is Calculated
You choose a source fund, a target fund, a monthly transfer amount, and a date range. The tool simulates the transfer amount moving out of the source fund and into the target fund each month, using each fund's real historical NAV on the relevant dates. At the end date, it totals what's left growing in the source fund plus the current value of units accumulated in the target fund, giving the genuine combined value of the whole strategy.
How to Use This Tool
Pick a source fund (typically a liquid or short-duration debt fund) and a target fund (typically an equity fund) from the dropdowns, set your monthly transfer amount and the transfer period, then review the combined value at the end date. Try the same fund pair across a few different start dates, especially one where equity markets fell during the transfer window, to see how the STP structure actually performed under real conditions.
Common Mistakes to Avoid
The main one is assuming an STP always beats a lumpsum: in a period where equity markets rise steadily throughout the transfer window, a lumpsum invested on day one will usually outperform, since more money is exposed to the rally for longer. An STP's advantage shows up specifically when markets are volatile or falling during the transfer period, which is exactly why testing more than one historical window matters before drawing a conclusion.
Frequently Asked Questions
Direct answers to the questions we hear most often. No hedging, no ambiguity.
Contact for specific questionsAn STP moves a fixed amount every month from one fund (commonly a liquid or debt fund) into another (commonly an equity fund), instead of investing a lumpsum into equity on a single day.
Investing a large lumpsum into equity all at once means the entire amount is exposed to whatever the market does on that specific day. An STP spreads that entry-timing risk across several months, while the uninvested portion still earns something in the source fund rather than sitting idle.
Both the source and target fund are replayed against their own real historical NAV for the period you choose. At the end date, the tool adds whatever remains in the source fund to the current value of what's accumulated in the target fund, giving you the genuine combined outcome of the full transfer strategy.
Run this tool for the STP scenario, then use the Lump Sum Calculator or a Past SIP Performance backtest for comparison. Comparing the two side by side is a good way to see whether spreading the entry actually helped or hurt for that specific date range and fund pair, historical fact either way, not a rule for what will happen next time.
Figures shown are illustrative projections based on historical data and assumed rates of return. They are not a guarantee, promise, or assurance of future performance. Actual returns will vary. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.
Our Team's Credentials
AMFI MF Distributor (2823) & MF/SIF Distributor (300788)
CFP Certification, FPSB India
MDRT (6x): Rekha Guliani
LUTCF, The American College of Insurance
Chairman Club, ICICI Prudential MF
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Considering an STP for a Windfall or Lumpsum?
A backtest shows one historical scenario. Talk to a member of our credentialed team about structuring a transfer plan around your actual timeline and risk appetite.
A member of our team will confirm a time within one business day.
We do not charge anything for the guidance we provide. For any investments made through us, the AMCs may pay us a commission. Our recommendations are based on your risk profile, time horizon, and financial requirement, not on the commission we may earn.