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	24,926	2.38	6,232	8	1,100,808
3	25,333	2.3	6,333	8	1,156,193
4	25,805	2.23	6,451	8	1,215,400
5	26,284	2.16	6,571	8	1,278,726
6	26,984	2.11	6,746	8	1,346,215
7	27,386	2.03	6,847	8	1,418,584
8	28,040	1.98	7,010	8	1,495,899
9	28,870	1.93	7,218	8	1,578,328
10	29,101	1.84	7,275	8	1,667,054
11	29,025	1.74	7,256	8	1,762,976
12	28,892	1.64	7,223	8	1,866,743
13	28,842	1.55	7,211	8	1,978,876
14	29,527	1.49	7,382	8	2,099,096
15	29,432	1.4	7,358	8	2,229,056
16	30,385	1.36	7,596	8	2,368,184
17	30,792	1.3	7,698	8	2,517,917
18	31,527	1.25	7,882	8	2,678,680
19	32,568	1.22	8,142	8	2,850,962
20	32,925	1.15	8,231	8	3,036,566
21	33,686	1.11	8,422	8	3,236,036
22	34,751	1.07	8,688	8	3,450,090
23	35,093	1.02	8,773	8	3,680,827
24	35,688	0.97	8,922	8	3,929,256
25	35,591	0.91	8,898	8	4,197,684
26	36,026	0.86	9,007	8	4,487,025
27	35,932	0.8	8,983	8	4,799,635
28	35,938	0.75	8,985	8	5,137,245
29	36,859	0.72	9,215	8	5,500,676
30	38,130	0.69	9,533	8	5,891,542

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))