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	24,180	2.3	6,045	8	1,101,771
3	24,249	2.2	6,062	8	1,158,632
4	24,203	2.09	6,051	8	1,220,100
5	24,059	1.97	6,015	8	1,286,672
6	24,190	1.88	6,048	8	1,358,400
7	24,884	1.83	6,221	8	1,434,972
8	24,840	1.73	6,210	8	1,517,726
9	24,868	1.64	6,217	8	1,607,064
10	25,418	1.58	6,355	8	1,702,839
11	25,362	1.49	6,341	8	1,806,349
12	25,842	1.43	6,461	8	1,917,520
13	25,816	1.35	6,454	8	2,037,619
14	26,219	1.29	6,555	8	2,166,806
15	26,427	1.22	6,607	8	2,306,059
16	26,171	1.13	6,543	8	2,456,783
17	27,131	1.1	6,783	8	2,618,326
18	28,093	1.07	7,023	8	2,791,552
19	28,468	1.02	7,117	8	2,978,152
20	29,378	0.99	7,345	8	3,178,506
21	29,666	0.93	7,417	8	3,394,517
22	29,647	0.87	7,412	8	3,627,833
23	30,658	0.85	7,665	8	3,878,510
24	30,798	0.79	7,700	8	4,149,061
25	31,452	0.76	7,863	8	4,440,413
26	32,264	0.73	8,066	8	4,754,025
27	32,426	0.68	8,107	8	5,092,517
28	32,209	0.63	8,052	8	5,458,369
29	33,323	0.61	8,331	8	5,852,052
30	34,635	0.59	8,659	8	6,275,537

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))