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	23,818	2.27	5,955	8	1,102,237
3	24,761	2.25	6,190	8	1,158,475
4	25,019	2.16	6,255	8	1,218,878
5	25,194	2.07	6,299	8	1,283,887
6	25,028	1.95	6,257	8	1,354,312
7	25,462	1.88	6,366	8	1,429,810
8	26,457	1.85	6,614	8	1,510,066
9	27,336	1.81	6,834	8	1,595,608
10	27,938	1.75	6,985	8	1,687,216
11	27,785	1.65	6,946	8	1,786,351
12	28,289	1.58	7,072	8	1,892,767
13	28,012	1.48	7,003	8	2,008,053
14	28,547	1.42	7,137	8	2,131,871
15	29,444	1.38	7,361	8	2,264,438
16	29,287	1.29	7,322	8	2,407,813
17	29,634	1.23	7,409	8	2,562,210
18	30,271	1.18	7,568	8	2,728,137
19	30,449	1.12	7,612	8	2,907,109
20	30,464	1.05	7,616	8	3,100,379
21	30,733	0.99	7,683	8	3,308,764
22	31,502	0.95	7,876	8	3,532,827
23	31,205	0.88	7,801	8	3,775,199
24	31,700	0.84	7,925	8	4,036,322
25	31,793	0.79	7,948	8	4,318,215
26	31,521	0.73	7,880	8	4,623,010
27	31,233	0.68	7,808	8	4,952,560
28	31,479	0.64	7,870	8	5,308,157
29	32,320	0.61	8,080	8	5,691,117
30	32,450	0.57	8,113	8	6,104,545

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))