STP Calculator
Systematic Transfer Plan calculator
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Guided planning with one question at a time.
What does this calculator do?
Illustrates how a lumpsum may move gradually from a lower-volatility source allocation into a growth allocation through fixed monthly transfers.
When should I use it?
Use it when you want to stagger deployment of a lumpsum rather than investing everything in growth assets at one time.
What assumptions are made?
- Source and destination returns are assumed separately.
- A fixed transfer amount is moved every month until the source allocation is exhausted.
- The model is illustrative and ignores tax impact and transaction costs.
Things to remember
- STP can reduce timing risk, but it may also underperform a full upfront investment in a steadily rising market.
- The appropriate transfer period depends on volatility tolerance and deployment objective.
What next?
Turn this stp calculator into a plan
The calculator gives you a number. The next steps below help place that number inside real family wealth planning — through learning, investment options, guided journeys, and an advisor conversation.
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This stp calculator is one input. An advisor helps place it in the context of your goals, cash flow, risk comfort, and long-term family plan.