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	24,556	2.34	6,139	8	1,101,286
3	24,818	2.25	6,205	8	1,157,373
4	25,114	2.17	6,279	8	1,217,565
5	26,096	2.14	6,524	8	1,281,306
6	25,847	2.02	6,462	8	1,350,468
7	25,619	1.9	6,405	8	1,425,457
8	25,890	1.82	6,473	8	1,506,095
9	25,872	1.72	6,468	8	1,593,208
10	25,639	1.61	6,410	8	1,687,590
11	25,443	1.51	6,361	8	1,789,775
12	25,411	1.42	6,353	8	1,900,177
13	25,394	1.34	6,349	8	2,019,432
14	25,792	1.28	6,448	8	2,147,715
15	26,379	1.23	6,595	8	2,285,503
16	26,350	1.15	6,588	8	2,434,351
17	26,595	1.09	6,649	8	2,594,791
18	27,656	1.07	6,914	8	2,766,698
19	27,862	1.01	6,966	8	2,952,091
20	28,467	0.96	7,117	8	3,151,536
21	29,013	0.92	7,253	8	3,366,232
22	29,349	0.87	7,337	8	3,597,671
23	29,516	0.82	7,379	8	3,847,409
24	29,304	0.76	7,326	8	4,117,400
25	30,439	0.74	7,610	8	4,407,525
26	30,812	0.7	7,703	8	4,720,380
27	30,894	0.65	7,724	8	5,058,157
28	32,029	0.63	8,007	8	5,421,492
29	32,115	0.59	8,029	8	5,813,783
30	32,506	0.56	8,127	8	6,236,952

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))