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	24,267	2.31	6,067	8	1,101,659
3	24,510	2.22	6,128	8	1,158,173
4	25,081	2.17	6,270	8	1,218,473
5	24,985	2.05	6,246	8	1,283,720
6	24,943	1.94	6,236	8	1,354,241
7	25,428	1.88	6,357	8	1,429,778
8	25,616	1.79	6,404	8	1,511,116
9	26,573	1.76	6,643	8	1,597,726
10	27,194	1.7	6,799	8	1,690,463
11	28,196	1.67	7,049	8	1,789,327
12	29,146	1.63	7,287	8	1,894,874
13	29,314	1.55	7,329	8	2,008,648
14	30,418	1.51	7,605	8	2,130,100
15	30,841	1.45	7,710	8	2,260,723
16	31,634	1.4	7,909	8	2,400,772
17	31,577	1.32	7,894	8	2,552,100
18	31,531	1.24	7,883	8	2,715,593
19	32,207	1.19	8,052	8	2,891,293
20	31,998	1.11	8,000	8	3,081,319
21	31,884	1.03	7,971	8	3,286,694
22	32,905	1	8,226	8	3,507,182
23	32,628	0.93	8,157	8	3,745,666
24	32,798	0.88	8,200	8	4,003,009
25	34,097	0.85	8,524	8	4,279,265
26	34,676	0.81	8,669	8	4,576,874
27	34,575	0.76	8,644	8	4,898,422
28	34,623	0.71	8,656	8	5,245,632
29	34,373	0.66	8,593	8	5,620,942
30	35,607	0.63	8,902	8	6,024,684

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))