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	24,113	2.3	6,028	8	1,101,858
3	24,660	2.24	6,165	8	1,158,195
4	24,528	2.12	6,132	8	1,219,209
5	24,559	2.01	6,140	8	1,285,064
6	24,649	1.92	6,162	8	1,356,072
7	24,981	1.84	6,245	8	1,432,333
8	24,929	1.74	6,232	8	1,514,761
9	24,768	1.64	6,192	8	1,603,991
10	25,038	1.56	6,260	8	1,700,011
11	25,348	1.49	6,337	8	1,803,313
12	25,765	1.43	6,441	8	1,914,341
13	25,529	1.33	6,382	8	2,034,556
14	25,970	1.28	6,493	8	2,163,819
15	25,713	1.19	6,428	8	2,303,755
16	26,495	1.15	6,624	8	2,453,877
17	26,396	1.08	6,599	8	2,616,136
18	27,302	1.04	6,826	8	2,790,207
19	28,219	1.01	7,055	8	2,977,021
20	28,767	0.97	7,192	8	3,178,073
21	29,524	0.93	7,381	8	3,394,233
22	30,433	0.9	7,608	8	3,626,513
23	30,912	0.85	7,728	8	3,876,758
24	31,833	0.82	7,958	8	4,145,834
25	33,105	0.8	8,276	8	4,434,796
26	33,559	0.76	8,390	8	4,746,288
27	33,782	0.71	8,446	8	5,082,412
28	33,880	0.67	8,470	8	5,445,300
29	33,732	0.62	8,433	8	5,837,410
30	35,010	0.6	8,753	8	6,259,239

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))