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	23,904	2.28	5,976	8	1,102,127
3	24,496	2.22	6,124	8	1,158,697
4	25,371	2.19	6,343	8	1,218,664
5	25,397	2.08	6,349	8	1,283,395
6	25,343	1.97	6,336	8	1,353,374
7	25,824	1.91	6,456	8	1,428,331
8	26,626	1.86	6,657	8	1,508,249
9	27,483	1.82	6,871	8	1,593,456
10	28,184	1.77	7,046	8	1,684,575
11	28,018	1.66	7,005	8	1,783,197
12	28,898	1.62	7,225	8	1,888,574
13	29,514	1.56	7,379	8	2,001,586
14	29,480	1.47	7,370	8	2,123,684
15	29,496	1.39	7,374	8	2,255,529
16	30,302	1.34	7,576	8	2,396,881
17	30,227	1.26	7,557	8	2,549,638
18	31,233	1.22	7,808	8	2,713,319
19	31,005	1.14	7,751	8	2,890,388
20	31,252	1.08	7,813	8	3,081,304
21	32,026	1.04	8,007	8	3,286,494
22	33,251	1.01	8,313	8	3,506,519
23	33,089	0.94	8,272	8	3,744,356
24	34,146	0.91	8,537	8	3,999,856
25	34,410	0.86	8,603	8	4,275,455
26	35,503	0.83	8,876	8	4,571,692
27	35,629	0.78	8,907	8	4,891,466
28	35,396	0.72	8,849	8	5,237,122
29	35,354	0.68	8,839	8	5,610,485
30	35,955	0.64	8,989	8	6,012,942

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))