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	24,711	2.36	6,178	8	1,101,086
3	24,737	2.25	6,184	8	1,157,262
4	24,866	2.15	6,217	8	1,217,765
5	24,800	2.04	6,200	8	1,283,194
6	25,247	1.97	6,312	8	1,353,281
7	26,251	1.94	6,563	8	1,427,679
8	26,197	1.83	6,549	8	1,508,099
9	25,995	1.72	6,499	8	1,595,213
10	26,331	1.65	6,583	8	1,688,863
11	26,660	1.58	6,665	8	1,789,581
12	27,171	1.52	6,793	8	1,897,697
13	27,208	1.43	6,802	8	2,014,414
14	27,903	1.39	6,976	8	2,139,572
15	27,692	1.29	6,923	8	2,275,015
16	27,781	1.22	6,945	8	2,421,179
17	28,053	1.16	7,013	8	2,578,685
18	28,302	1.1	7,076	8	2,748,470
19	28,588	1.04	7,147	8	2,931,469
20	28,358	0.97	7,090	8	3,129,404
21	28,197	0.9	7,049	8	3,343,382
22	28,921	0.87	7,230	8	3,573,545
23	29,046	0.81	7,262	8	3,821,959
24	29,829	0.78	7,457	8	4,089,237
25	29,543	0.72	7,386	8	4,378,265
26	30,451	0.7	7,613	8	4,689,244
27	30,565	0.65	7,641	8	5,024,955
28	31,126	0.62	7,782	8	5,386,798
29	30,946	0.57	7,737	8	5,777,821
30	30,976	0.54	7,744	8	6,200,088

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))