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	24,109	2.3	6,027	8	1,101,863
3	24,239	2.2	6,060	8	1,158,743
4	24,901	2.15	6,225	8	1,219,320
5	25,054	2.05	6,264	8	1,284,545
6	25,222	1.96	6,306	8	1,354,772
7	25,400	1.87	6,350	8	1,430,388
8	25,354	1.77	6,339	8	1,512,112
9	26,296	1.74	6,574	8	1,599,159
10	26,428	1.65	6,607	8	1,693,000
11	27,316	1.61	6,829	8	1,793,202
12	27,231	1.52	6,808	8	1,901,530
13	26,986	1.42	6,747	8	2,018,840
14	27,603	1.37	6,901	8	2,144,739
15	27,434	1.28	6,859	8	2,280,928
16	27,292	1.2	6,823	8	2,428,196
17	27,704	1.14	6,926	8	2,586,714
18	28,646	1.11	7,162	8	2,756,697
19	29,121	1.06	7,280	8	2,939,667
20	28,841	0.98	7,210	8	3,137,636
21	29,167	0.93	7,292	8	3,351,021
22	29,446	0.88	7,362	8	3,581,117
23	30,132	0.84	7,533	8	3,828,736
24	30,645	0.8	7,661	8	4,095,503
25	30,763	0.75	7,691	8	4,383,459
26	30,624	0.7	7,656	8	4,694,631
27	30,584	0.65	7,646	8	5,030,748
28	31,677	0.63	7,919	8	5,392,345
29	31,482	0.58	7,871	8	5,783,120
30	31,763	0.55	7,941	8	6,204,795

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))