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	23,760	2.26	5,940	8	1,102,313
3	24,616	2.23	6,154	8	1,158,743
4	24,890	2.15	6,223	8	1,219,334
5	25,575	2.1	6,394	8	1,283,889
6	26,248	2.04	6,562	8	1,352,740
7	26,800	1.98	6,700	8	1,426,387
8	27,792	1.95	6,948	8	1,504,646
9	28,008	1.86	7,002	8	1,588,887
10	28,187	1.77	7,047	8	1,679,636
11	28,481	1.7	7,120	8	1,777,267
12	28,273	1.59	7,068	8	1,882,976
13	28,786	1.53	7,197	8	1,996,480
14	28,578	1.43	7,145	8	2,119,332
15	29,213	1.38	7,303	8	2,251,194
16	28,976	1.29	7,244	8	2,393,910
17	30,006	1.25	7,502	8	2,546,715
18	30,247	1.19	7,562	8	2,711,433
19	30,779	1.14	7,695	8	2,888,642
20	30,816	1.07	7,704	8	3,079,981
21	31,403	1.02	7,851	8	3,285,869
22	31,107	0.95	7,777	8	3,508,610
23	32,207	0.92	8,052	8	3,747,752
24	33,154	0.88	8,289	8	4,004,803
25	33,439	0.83	8,360	8	4,282,051
26	34,714	0.81	8,679	8	4,579,834
27	35,682	0.78	8,921	8	4,900,190
28	37,043	0.76	9,261	8	5,244,419
29	37,530	0.72	9,383	8	5,615,558
30	38,909	0.69	9,727	8	6,014,610

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))