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	24,871	2.37	6,218	8	1,100,879
3	24,976	2.27	6,244	8	1,156,730
4	25,583	2.21	6,396	8	1,216,266
5	25,858	2.13	6,465	8	1,280,210
6	26,275	2.05	6,569	8	1,348,732
7	26,491	1.96	6,623	8	1,422,457
8	26,633	1.87	6,658	8	1,501,897
9	27,158	1.81	6,790	8	1,587,014
10	28,065	1.77	7,016	8	1,677,772
11	28,449	1.7	7,112	8	1,775,295
12	29,038	1.64	7,260	8	1,879,859
13	29,005	1.54	7,251	8	1,992,832
14	29,418	1.48	7,355	8	2,114,309
15	29,147	1.38	7,287	8	2,245,854
16	29,445	1.31	7,361	8	2,387,539
17	29,614	1.24	7,404	8	2,540,340
18	30,745	1.21	7,686	8	2,703,906
19	31,925	1.18	7,981	8	2,879,035
20	31,715	1.1	7,929	8	3,068,445
21	32,289	1.05	8,072	8	3,272,268
22	32,214	0.98	8,054	8	3,492,493
23	33,439	0.96	8,360	8	3,728,756
24	34,212	0.92	8,553	8	3,982,923
25	35,237	0.88	8,809	8	4,256,101
26	36,181	0.85	9,045	8	4,549,916
27	37,188	0.82	9,297	8	4,865,937
28	38,596	0.79	9,649	8	5,205,423
29	38,375	0.74	9,594	8	5,572,353
30	39,202	0.7	9,801	8	5,967,570

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))