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	24,799	2.36	6,200	8	1,100,972
3	25,081	2.28	6,270	8	1,156,696
4	25,736	2.22	6,434	8	1,216,032
5	25,637	2.11	6,409	8	1,280,243
6	25,983	2.03	6,496	8	1,349,144
7	26,743	1.98	6,686	8	1,422,577
8	27,010	1.9	6,753	8	1,501,540
9	27,401	1.82	6,850	8	1,586,316
10	27,968	1.76	6,992	8	1,677,143
11	28,264	1.69	7,066	8	1,774,854
12	28,176	1.59	7,044	8	1,880,495
13	29,000	1.54	7,250	8	1,993,525
14	28,726	1.44	7,182	8	2,115,950
15	29,791	1.41	7,448	8	2,246,795
16	29,951	1.33	7,488	8	2,387,902
17	30,561	1.28	7,640	8	2,539,511
18	31,290	1.23	7,823	8	2,702,307
19	32,029	1.19	8,007	8	2,877,174
20	31,776	1.1	7,944	8	3,066,357
21	31,962	1.04	7,991	8	3,270,434
22	33,097	1.01	8,274	8	3,489,374
23	33,180	0.95	8,295	8	3,725,722
24	32,902	0.88	8,226	8	3,981,336
25	33,549	0.84	8,387	8	4,256,565
26	34,397	0.81	8,599	8	4,552,718
27	34,774	0.76	8,694	8	4,872,076
28	35,962	0.74	8,991	8	5,215,451
29	35,743	0.69	8,936	8	5,586,578
30	35,388	0.63	8,847	8	5,987,854

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))