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	24,497	2.34	6,124	8	1,101,362
3	25,251	2.29	6,313	8	1,156,897
4	25,967	2.24	6,492	8	1,215,951
5	26,075	2.14	6,519	8	1,279,590
6	26,476	2.07	6,619	8	1,347,803
7	27,400	2.03	6,850	8	1,420,281
8	28,061	1.98	7,015	8	1,497,705
9	28,226	1.88	7,057	8	1,581,109
10	28,428	1.8	7,107	8	1,670,926
11	28,852	1.73	7,213	8	1,767,381
12	28,579	1.62	7,145	8	1,871,904
13	28,831	1.54	7,208	8	1,984,464
14	29,699	1.5	7,425	8	2,104,909
15	29,795	1.42	7,449	8	2,234,866
16	29,542	1.32	7,386	8	2,375,546
17	30,183	1.27	7,546	8	2,526,653
18	30,391	1.2	7,598	8	2,689,581
19	31,328	1.16	7,832	8	2,864,334
20	31,413	1.1	7,853	8	3,052,958
21	32,262	1.06	8,066	8	3,255,576
22	32,332	0.99	8,083	8	3,474,314
23	32,440	0.93	8,110	8	3,710,412
24	33,594	0.91	8,399	8	3,963,908
25	33,482	0.84	8,371	8	4,237,828
26	34,637	0.82	8,659	8	4,532,173
27	35,685	0.79	8,921	8	4,848,713
28	36,409	0.75	9,102	8	5,189,643
29	37,646	0.73	9,412	8	5,556,251
30	38,748	0.7	9,687	8	5,950,766

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))