Future Fortune - Financial Retirement Calculator

Year	Withdrawal	ratio	Tax	Return Rate	Year End Total
1	24,000	2.4	6,000	8	1,049,040
2	24,807	2.36	6,202	8	1,100,962
3	25,635	2.33	6,409	8	1,155,970
4	25,449	2.2	6,362	8	1,215,619
5	25,692	2.11	6,423	8	1,279,726
6	26,389	2.06	6,597	8	1,348,063
7	27,402	2.03	6,851	8	1,420,559
8	27,179	1.91	6,795	8	1,499,143
9	26,965	1.8	6,741	8	1,584,290
10	26,957	1.7	6,739	8	1,676,259
11	27,723	1.65	6,931	8	1,774,597
12	27,933	1.57	6,983	8	1,880,531
13	28,932	1.54	7,233	8	1,993,651
14	30,083	1.51	7,521	8	2,114,336
15	31,244	1.48	7,811	8	2,243,178
16	31,877	1.42	7,969	8	2,381,511
17	32,642	1.37	8,161	8	2,529,923
18	33,868	1.34	8,467	8	2,688,627
19	34,857	1.3	8,714	8	2,858,752
20	35,061	1.23	8,765	8	3,042,224
21	36,186	1.19	9,047	8	3,238,921
22	36,436	1.12	9,109	8	3,451,032
23	37,202	1.08	9,301	8	3,679,123
24	37,790	1.03	9,448	8	3,924,703
25	38,436	0.98	9,609	8	4,189,097
26	38,482	0.92	9,621	8	4,474,582
27	38,347	0.86	9,587	8	4,783,081
28	39,542	0.83	9,886	8	5,114,718
29	40,914	0.8	10,229	8	5,471,116
30	41,733	0.76	10,433	8	5,854,970

How Things Are Calculated

Random Return Rate: A value is sampled each year from the defined range, with an adjustable probability distribution (flat, normal, or skewed). When 'Regime-Based' is enabled, this range is split into bear, stagnant, and bull market regimes to simulate realistic, persistent market cycles.
Year End Total: (lastYearTotal - yearlyWithdrawal/2) * perc(returnRate) - yearlyWithdrawal/2 + extra - yearlyTaxPaid
Yearly Withdrawal: const perc = n => (1 + n/100 ) isFixedRatio ? lastYearTotal * monthlyWithdrawal/100 : firstYear ? monthlyWithdrawal * 12 : previousYearWithdrawal * perc(inflation)
Yearly Tax Paid: currentYearGrossGains = (lastYearTotal - yp.withdrawal) * perc(returnRate) // Tax loss harvesting: accumulate losses from negative return years if (returnRate < 0) accumulatedLosses += lastYearTotal * |returnRate|/100 rawTaxableGains = Math.clamp(0, yearlyWithdrawal + currentYearGrossGains - lastYearTotal, yearlyWithdrawal) // Offset gains with accumulated losses taxableGains = Math.max(0, rawTaxableGains - accumulatedLosses) accumulatedLosses -= (rawTaxableGains - taxableGains) yearlyTaxPaid = Math.max(0, round((yearlyTaxPercentage/100) * taxableGains, 0))