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	24,711	2.36	6,178	8	1,101,086
3	24,857	2.26	6,214	8	1,157,108
4	24,758	2.14	6,190	8	1,217,738
5	25,039	2.06	6,260	8	1,282,856
6	24,937	1.94	6,234	8	1,353,316
7	25,178	1.86	6,295	8	1,429,101
8	25,698	1.8	6,425	8	1,510,278
9	26,177	1.73	6,544	8	1,597,332
10	27,029	1.69	6,757	8	1,690,251
11	28,096	1.66	7,024	8	1,789,227
12	28,811	1.61	7,203	8	1,895,199
13	29,110	1.54	7,278	8	2,009,263
14	29,040	1.45	7,260	8	2,132,542
15	29,098	1.36	7,275	8	2,265,608
16	29,541	1.3	7,385	8	2,408,749
17	30,336	1.26	7,584	8	2,562,315
18	30,159	1.18	7,540	8	2,728,395
19	30,683	1.12	7,671	8	2,907,085
20	31,874	1.1	7,969	8	3,098,534
21	32,184	1.04	8,046	8	3,304,899
22	32,415	0.98	8,104	8	3,527,475
23	33,497	0.95	8,374	8	3,766,462
24	33,859	0.9	8,465	8	4,024,101
25	33,671	0.84	8,418	8	4,302,593
26	34,436	0.8	8,609	8	4,602,378
27	35,167	0.76	8,792	8	4,925,203
28	36,011	0.73	9,003	8	5,272,765
29	37,184	0.71	9,296	8	5,646,619
30	38,032	0.67	9,508	8	6,049,287

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))