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	24,249	2.31	6,062	8	1,101,682
3	25,124	2.28	6,281	8	1,157,407
4	25,467	2.2	6,367	8	1,217,147
5	26,093	2.14	6,523	8	1,280,859
6	26,420	2.06	6,605	8	1,349,246
7	26,781	1.98	6,695	8	1,422,638
8	27,305	1.92	6,826	8	1,501,226
9	28,274	1.88	7,069	8	1,584,850
10	28,053	1.77	7,013	8	1,675,450
11	28,639	1.71	7,160	8	1,772,541
12	28,405	1.6	7,101	8	1,877,702
13	28,817	1.53	7,204	8	1,990,744
14	29,893	1.5	7,473	8	2,111,442
15	30,776	1.46	7,694	8	2,240,656
16	31,188	1.39	7,797	8	2,379,676
17	32,398	1.36	8,100	8	2,528,256
18	33,405	1.32	8,351	8	2,687,424
19	34,037	1.27	8,509	8	2,858,510
20	33,779	1.18	8,445	8	3,043,616
21	35,097	1.15	8,774	8	3,241,830
22	36,263	1.12	9,066	8	3,454,397
23	36,828	1.07	9,207	8	3,683,241
24	37,609	1.02	9,402	8	3,929,385
25	37,470	0.95	9,368	8	4,195,399
26	38,591	0.92	9,648	8	4,481,248
27	39,658	0.88	9,915	8	4,788,589
28	39,728	0.83	9,932	8	5,120,427
29	40,429	0.79	10,107	8	5,477,908
30	41,863	0.76	10,466	8	5,862,137

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))