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	24,204	2.31	6,051	8	1,101,740
3	23,963	2.18	5,991	8	1,158,967
4	23,736	2.05	5,934	8	1,221,065
5	24,264	1.99	6,066	8	1,287,450
6	25,035	1.94	6,259	8	1,358,151
7	26,019	1.92	6,505	8	1,433,238
8	26,445	1.85	6,611	8	1,513,783
9	26,402	1.74	6,601	8	1,600,827
10	27,240	1.7	6,810	8	1,693,754
11	27,644	1.63	6,911	8	1,793,594
12	28,520	1.59	7,130	8	1,900,291
13	29,584	1.56	7,396	8	2,014,151
14	29,477	1.46	7,369	8	2,137,258
15	30,542	1.43	7,636	8	2,268,839
16	30,958	1.36	7,740	8	2,410,410
17	30,867	1.28	7,717	8	2,563,424
18	31,837	1.24	7,959	8	2,727,428
19	31,971	1.17	7,993	8	2,904,379
20	32,491	1.12	8,123	8	3,094,816
21	32,398	1.05	8,100	8	3,300,607
22	32,292	0.98	8,073	8	3,522,999
23	32,734	0.93	8,184	8	3,762,612
24	32,548	0.87	8,137	8	4,021,634
25	33,067	0.82	8,267	8	4,300,708
26	33,333	0.78	8,333	8	4,601,765
27	34,510	0.75	8,628	8	4,925,388
28	34,354	0.7	8,589	8	5,275,102
29	34,297	0.65	8,574	8	5,652,867
30	35,359	0.63	8,840	8	6,059,483

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))