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	24,397	2.33	6,099	8	1,101,491
3	24,998	2.27	6,250	8	1,157,362
4	25,511	2.2	6,378	8	1,217,042
5	26,366	2.17	6,592	8	1,280,393
6	26,150	2.04	6,538	8	1,349,090
7	26,338	1.95	6,585	8	1,423,041
8	26,369	1.85	6,592	8	1,502,869
9	27,272	1.81	6,818	8	1,587,918
10	28,215	1.78	7,054	8	1,678,554
11	28,910	1.72	7,228	8	1,775,544
12	28,947	1.63	7,237	8	1,880,246
13	29,393	1.56	7,348	8	1,992,749
14	29,623	1.49	7,406	8	2,113,955
15	30,598	1.45	7,650	8	2,243,599
16	31,681	1.41	7,920	8	2,382,219
17	32,137	1.35	8,034	8	2,531,340
18	33,214	1.31	8,304	8	2,691,001
19	34,088	1.27	8,522	8	2,862,308
20	35,166	1.23	8,792	8	3,045,928
21	35,680	1.17	8,920	8	3,243,575
22	36,515	1.13	9,129	8	3,455,956
23	37,002	1.07	9,251	8	3,684,699
24	37,698	1.02	9,425	8	3,930,844
25	37,900	0.96	9,475	8	4,196,421
26	37,966	0.9	9,492	8	4,483,158
27	38,331	0.85	9,583	8	4,792,363
28	38,365	0.8	9,591	8	5,126,261
29	39,691	0.77	9,923	8	5,485,160
30	40,256	0.73	10,064	8	5,872,043

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))