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	24,487	2.33	6,122	8	1,101,375
3	25,288	2.3	6,322	8	1,156,863
4	25,905	2.24	6,476	8	1,215,995
5	26,008	2.14	6,502	8	1,279,724
6	26,135	2.04	6,534	8	1,348,388
7	26,617	1.97	6,654	8	1,421,923
8	26,561	1.87	6,640	8	1,501,413
9	27,418	1.83	6,855	8	1,586,156
10	27,904	1.76	6,976	8	1,677,052
11	28,125	1.68	7,031	8	1,774,935
12	29,132	1.64	7,283	8	1,879,350
13	29,917	1.59	7,479	8	1,991,105
14	30,674	1.54	7,669	8	2,110,823
15	31,203	1.48	7,801	8	2,239,437
16	31,201	1.39	7,800	8	2,378,343
17	31,794	1.34	7,949	8	2,527,596
18	32,395	1.28	8,099	8	2,688,014
19	32,937	1.23	8,234	8	2,860,567
20	32,780	1.15	8,195	8	3,047,126
21	32,537	1.07	8,134	8	3,248,924
22	32,267	0.99	8,067	8	3,467,213
23	33,201	0.96	8,300	8	3,701,761
24	33,703	0.91	8,426	8	3,954,425
25	34,378	0.87	8,595	8	4,226,431
26	34,610	0.82	8,653	8	4,519,898
27	34,837	0.77	8,709	8	4,836,550
28	34,925	0.72	8,731	8	5,178,421
29	35,098	0.68	8,775	8	5,547,418
30	35,479	0.64	8,870	8	5,945,443

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))