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	24,051	2.18	6,013	8	1,159,143
4	23,897	2.06	5,974	8	1,221,048
5	24,679	2.02	6,170	8	1,286,896
6	25,067	1.95	6,267	8	1,357,511
7	25,953	1.91	6,488	8	1,432,633
8	26,429	1.84	6,607	8	1,513,150
9	27,228	1.8	6,807	8	1,599,078
10	28,305	1.77	7,076	8	1,690,491
11	29,204	1.73	7,301	8	1,788,057
12	29,408	1.64	7,352	8	1,893,165
13	29,239	1.54	7,310	8	2,006,900
14	29,972	1.49	7,493	8	2,128,788
15	31,077	1.46	7,769	8	2,259,002
16	31,112	1.38	7,778	8	2,399,588
17	31,042	1.29	7,761	8	2,551,510
18	30,992	1.21	7,748	8	2,715,651
19	32,174	1.18	8,044	8	2,891,398
20	32,497	1.12	8,124	8	3,080,789
21	32,249	1.05	8,062	8	3,285,651
22	32,876	1	8,219	8	3,506,093
23	33,447	0.95	8,362	8	3,743,434
24	34,737	0.93	8,684	8	3,998,098
25	35,354	0.88	8,839	8	4,272,339
26	35,172	0.82	8,793	8	4,568,754
27	35,854	0.78	8,964	8	4,888,002
28	36,927	0.76	9,232	8	5,231,406
29	37,735	0.72	9,434	8	5,601,240
30	37,666	0.67	9,417	8	6,000,750

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))