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	24,036	2.29	6,009	8	1,101,957
3	24,798	2.25	6,200	8	1,158,124
4	24,941	2.15	6,235	8	1,218,600
5	25,922	2.13	6,481	8	1,282,648
6	25,723	2.01	6,431	8	1,352,077
7	26,443	1.96	6,611	8	1,426,131
8	27,316	1.92	6,829	8	1,504,984
9	27,287	1.81	6,822	8	1,590,182
10	27,390	1.72	6,848	8	1,682,063
11	27,163	1.61	6,791	8	1,781,588
12	27,101	1.52	6,775	8	1,889,155
13	27,709	1.47	6,927	8	2,004,543
14	28,639	1.43	7,160	8	2,127,962
15	28,662	1.35	7,166	8	2,261,224
16	28,414	1.26	7,104	8	2,405,467
17	28,855	1.2	7,214	8	2,560,681
18	29,885	1.17	7,471	8	2,726,984
19	29,968	1.1	7,492	8	2,906,484
20	30,694	1.06	7,674	8	3,099,407
21	31,835	1.03	7,959	8	3,306,292
22	32,402	0.98	8,101	8	3,528,996
23	32,091	0.91	8,023	8	3,769,918
24	33,215	0.88	8,304	8	4,028,664
25	32,980	0.82	8,245	8	4,308,413
26	32,867	0.76	8,217	8	4,610,687
27	32,838	0.71	8,210	8	4,937,180
28	32,867	0.67	8,217	8	5,289,756
29	33,810	0.64	8,453	8	5,669,321
30	34,214	0.6	8,554	8	6,078,730

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))