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	24,450	2.33	6,113	8	1,101,422
3	24,537	2.23	6,134	8	1,157,883
4	24,728	2.14	6,182	8	1,218,615
5	25,668	2.11	6,417	8	1,282,992
6	26,305	2.05	6,576	8	1,351,698
7	27,115	2.01	6,779	8	1,424,855
8	27,603	1.94	6,901	8	1,503,235
9	28,594	1.9	7,149	8	1,586,607
10	29,707	1.87	7,427	8	1,675,213
11	30,553	1.82	7,638	8	1,769,817
12	30,416	1.72	7,604	8	1,872,166
13	31,065	1.66	7,766	8	1,981,866
14	31,178	1.57	7,795	8	2,100,195
15	32,237	1.53	8,059	8	2,226,625
16	32,543	1.46	8,136	8	2,362,774
17	33,233	1.41	8,308	8	2,508,926
18	34,151	1.36	8,538	8	2,665,585
19	34,396	1.29	8,599	8	2,834,461
20	34,757	1.23	8,689	8	3,016,382
21	35,886	1.19	8,972	8	3,211,399
22	36,966	1.15	9,242	8	3,420,624
23	37,206	1.09	9,302	8	3,646,278
24	37,003	1.01	9,251	8	3,890,246
25	37,222	0.96	9,306	8	4,153,449
26	36,922	0.89	9,231	8	4,438,095
27	36,815	0.83	9,204	8	4,745,651
28	38,016	0.8	9,504	8	5,076,262
29	37,822	0.75	9,456	8	5,433,572
30	38,829	0.71	9,707	8	5,818,169

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))