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	24,920	2.38	6,230	8	1,100,816
3	24,790	2.25	6,198	8	1,156,902
4	25,309	2.19	6,327	8	1,216,806
5	25,981	2.14	6,495	8	1,280,635
6	26,798	2.09	6,700	8	1,348,516
7	27,213	2.02	6,803	8	1,421,293
8	26,991	1.9	6,748	8	1,500,178
9	26,936	1.8	6,734	8	1,585,445
10	27,951	1.76	6,988	8	1,676,224
11	28,729	1.71	7,182	8	1,773,262
12	29,281	1.65	7,320	8	1,877,351
13	29,465	1.57	7,366	8	1,989,529
14	29,307	1.47	7,327	8	2,110,885
15	29,621	1.4	7,405	8	2,241,545
16	30,717	1.37	7,679	8	2,381,244
17	30,762	1.29	7,691	8	2,532,060
18	31,128	1.23	7,782	8	2,694,470
19	31,896	1.18	7,974	8	2,868,882
20	31,996	1.12	7,999	8	3,057,118
21	32,270	1.06	8,068	8	3,260,059
22	32,119	0.99	8,030	8	3,479,430
23	33,135	0.95	8,284	8	3,715,040
24	32,863	0.88	8,216	8	3,969,850
25	33,699	0.85	8,425	8	4,243,966
26	33,799	0.8	8,450	8	4,539,882
27	33,899	0.75	8,475	8	4,859,343
28	34,140	0.7	8,535	8	5,204,050
29	35,494	0.68	8,874	8	5,574,586
30	36,863	0.66	9,216	8	5,972,999

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))