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	24,254	2.31	6,064	8	1,101,675
3	24,430	2.22	6,108	8	1,158,294
4	24,437	2.11	6,109	8	1,219,434
5	24,340	2	6,085	8	1,285,590
6	24,680	1.92	6,170	8	1,356,600
7	25,144	1.85	6,286	8	1,432,692
8	25,725	1.8	6,431	8	1,514,122
9	26,207	1.73	6,552	8	1,601,444
10	27,063	1.69	6,766	8	1,694,648
11	27,239	1.61	6,810	8	1,795,081
12	28,250	1.57	7,063	8	1,902,244
13	28,435	1.49	7,109	8	2,017,742
14	28,675	1.42	7,169	8	2,142,170
15	28,501	1.33	7,125	8	2,276,778
16	29,489	1.3	7,372	8	2,420,880
17	29,979	1.24	7,495	8	2,575,877
18	30,513	1.18	7,628	8	2,742,586
19	30,266	1.1	7,567	8	2,922,949
20	30,884	1.06	7,721	8	3,116,945
21	30,767	0.99	7,692	8	3,326,611
22	31,758	0.95	7,940	8	3,551,772
23	32,435	0.91	8,109	8	3,794,072
24	33,184	0.87	8,296	8	4,054,790
25	33,483	0.83	8,371	8	4,335,980
26	33,746	0.78	8,437	8	4,639,326
27	34,232	0.74	8,558	8	4,966,313
28	34,844	0.7	8,711	8	5,318,669
29	34,662	0.65	8,666	8	5,699,448
30	35,953	0.63	8,988	8	6,109,025

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))