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	23,823	2.27	5,956	8	1,102,231
3	23,968	2.17	5,992	8	1,159,491
4	23,769	2.05	5,942	8	1,221,589
5	23,739	1.94	5,935	8	1,288,693
6	23,558	1.83	5,890	8	1,361,398
7	24,026	1.76	6,007	8	1,439,316
8	24,590	1.71	6,148	8	1,522,740
9	25,110	1.65	6,278	8	1,612,167
10	24,904	1.54	6,226	8	1,709,014
11	25,719	1.5	6,430	8	1,812,557
12	25,861	1.43	6,465	8	1,924,201
13	26,772	1.39	6,693	8	2,043,601
14	26,595	1.3	6,649	8	2,172,781
15	26,956	1.24	6,739	8	2,311,830
16	27,176	1.18	6,794	8	2,461,719
17	27,143	1.1	6,786	8	2,623,642
18	27,637	1.05	6,909	8	2,797,882
19	28,182	1.01	7,046	8	2,985,357
20	28,894	0.97	7,224	8	3,186,912
21	28,628	0.9	7,157	8	3,404,935
22	28,472	0.84	7,118	8	3,640,601
23	29,144	0.8	7,286	8	3,894,253
24	29,239	0.75	7,310	8	4,168,075
25	29,527	0.71	7,382	8	4,463,431
26	29,664	0.66	7,416	8	4,782,239
27	29,589	0.62	7,397	8	5,126,649
28	30,587	0.6	7,647	8	5,497,323
29	31,766	0.58	7,942	8	5,896,130
30	31,589	0.54	7,897	8	6,327,071

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))