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	23,996	2.29	5,999	8	1,102,008
3	23,844	2.16	5,961	8	1,159,410
4	24,476	2.11	6,119	8	1,220,589
5	25,265	2.07	6,316	8	1,285,645
6	26,194	2.04	6,549	8	1,354,706
7	26,379	1.95	6,595	8	1,429,053
8	26,341	1.84	6,585	8	1,509,398
9	26,662	1.77	6,666	8	1,595,755
10	26,778	1.68	6,695	8	1,688,871
11	27,340	1.62	6,835	8	1,788,712
12	27,539	1.54	6,885	8	1,896,283
13	28,258	1.49	7,065	8	2,011,532
14	28,717	1.43	7,179	8	2,135,410
15	28,810	1.35	7,203	8	2,269,077
16	29,838	1.31	7,460	8	2,412,112
17	30,136	1.25	7,534	8	2,566,206
18	30,484	1.19	7,621	8	2,732,178
19	30,284	1.11	7,571	8	2,911,686
20	31,171	1.07	7,793	8	3,104,410
21	31,769	1.02	7,942	8	3,311,781
22	31,719	0.96	7,930	8	3,535,806
23	31,468	0.89	7,867	8	3,778,077
24	31,244	0.83	7,811	8	4,040,018
25	31,621	0.78	7,905	8	4,322,429
26	31,369	0.73	7,842	8	4,627,758
27	32,592	0.7	8,148	8	4,955,935
28	33,062	0.67	8,266	8	5,309,759
29	33,576	0.63	8,394	8	5,691,227
30	34,650	0.61	8,663	8	6,101,826

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))