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	24,158	2.3	6,040	8	1,101,799
3	24,505	2.22	6,126	8	1,158,332
4	24,580	2.12	6,145	8	1,219,290
5	24,632	2.02	6,158	8	1,285,058
6	25,140	1.96	6,285	8	1,355,432
7	25,027	1.85	6,257	8	1,431,581
8	25,396	1.77	6,349	8	1,513,347
9	25,464	1.68	6,366	8	1,601,566
10	25,368	1.58	6,342	8	1,696,967
11	25,306	1.49	6,327	8	1,800,079
12	25,622	1.42	6,406	8	1,911,032
13	26,575	1.39	6,644	8	2,029,633
14	26,557	1.31	6,639	8	2,157,745
15	26,484	1.23	6,621	8	2,296,200
16	26,372	1.15	6,593	8	2,445,876
17	26,670	1.09	6,668	8	2,607,141
18	26,581	1.02	6,645	8	2,781,423
19	26,821	0.96	6,705	8	2,969,338
20	27,001	0.91	6,750	8	3,172,054
21	27,915	0.88	6,979	8	3,389,808
22	27,821	0.82	6,955	8	3,625,104
23	27,816	0.77	6,954	8	3,879,230
24	28,906	0.75	7,227	8	4,152,279
25	29,765	0.72	7,441	8	4,446,065
26	30,135	0.68	7,534	8	4,762,876
27	30,848	0.65	7,712	8	5,104,112
28	31,105	0.61	7,776	8	5,472,316
29	30,866	0.56	7,717	8	5,870,284
30	30,584	0.52	7,646	8	6,300,453

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))