Question 1

How are the two stages calculated?

Accepted Answer

The accumulation stage uses the SIP engine. The draw stage uses the SWP engine with an inflation-stepped withdrawal. Same formulas as those pages.

Question 2

Is the corpus guaranteed?

Accepted Answer

No. You type the return in both stages. Markets and expenses can leave less. This is not an AMFI quote.

Question 3

What does leftover today mean?

Accepted Answer

The leftover after the SWP years is deflated by the inflation rate you enter, so you see purchasing power, not only the nominal rupee amount.