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	24,023	2.29	6,006	8	1,101,973
3	24,026	2.18	6,007	8	1,159,137
4	23,976	2.07	5,994	8	1,220,939
5	24,219	1.98	6,055	8	1,287,371
6	24,441	1.9	6,110	8	1,358,832
7	25,101	1.85	6,275	8	1,435,159
8	26,014	1.81	6,504	8	1,516,413
9	26,107	1.72	6,527	8	1,604,048
10	26,599	1.66	6,650	8	1,698,059
11	27,012	1.59	6,753	8	1,799,058
12	27,019	1.5	6,755	8	1,908,128
13	27,087	1.42	6,772	8	2,025,836
14	27,171	1.34	6,793	8	2,152,852
15	27,783	1.29	6,946	8	2,289,240
16	28,418	1.24	7,105	8	2,435,719
17	28,174	1.16	7,044	8	2,594,232
18	28,127	1.08	7,032	8	2,765,486
19	28,891	1.04	7,223	8	2,949,455
20	28,770	0.98	7,193	8	3,148,298
21	28,899	0.92	7,225	8	3,362,882
22	28,787	0.86	7,197	8	3,594,777
23	28,683	0.8	7,171	8	3,845,358
24	28,426	0.74	7,107	8	4,116,317
25	29,275	0.71	7,319	8	4,407,857
26	29,655	0.67	7,414	8	4,722,230
27	30,149	0.64	7,537	8	5,061,116
28	30,649	0.61	7,662	8	5,426,468
29	30,559	0.56	7,640	8	5,821,164
30	31,130	0.53	7,783	8	6,246,699

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))