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	23,842	2.27	5,961	8	1,102,207
3	23,814	2.16	5,954	8	1,159,663
4	24,455	2.11	6,114	8	1,220,889
5	25,179	2.06	6,295	8	1,286,079
6	26,091	2.03	6,523	8	1,355,308
7	26,356	1.94	6,589	8	1,429,733
8	27,370	1.91	6,843	8	1,508,804
9	28,420	1.88	7,105	8	1,592,847
10	29,422	1.85	7,356	8	1,682,320
11	30,235	1.8	7,559	8	1,777,902
12	31,077	1.75	7,769	8	1,880,045
13	32,041	1.7	8,010	8	1,989,116
14	32,593	1.64	8,148	8	2,106,201
15	33,473	1.59	8,368	8	2,231,517
16	34,617	1.55	8,654	8	2,365,383
17	34,801	1.47	8,700	8	2,509,721
18	34,600	1.38	8,650	8	2,665,865
19	35,837	1.34	8,959	8	2,832,905
20	36,498	1.29	9,125	8	3,012,454
21	37,928	1.26	9,482	8	3,204,523
22	38,040	1.19	9,510	8	3,411,813
23	38,186	1.12	9,547	8	3,635,498
24	39,165	1.08	9,791	8	3,875,815
25	39,008	1.01	9,752	8	4,135,560
26	39,373	0.95	9,843	8	4,415,614
27	40,942	0.93	10,236	8	4,716,047
28	41,673	0.88	10,418	8	5,039,573
29	43,278	0.86	10,820	8	5,386,910
30	43,522	0.81	10,881	8	5,761,719

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))