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	24,774	2.36	6,194	8	1,101,004
3	25,559	2.32	6,390	8	1,156,113
4	25,856	2.24	6,464	8	1,215,248
5	25,790	2.12	6,448	8	1,279,198
6	25,662	2.01	6,416	8	1,348,429
7	26,202	1.94	6,551	8	1,422,502
8	27,075	1.9	6,769	8	1,501,375
9	27,251	1.82	6,813	8	1,586,331
10	28,278	1.78	7,070	8	1,676,758
11	28,896	1.72	7,224	8	1,773,623
12	29,166	1.64	7,292	8	1,877,888
13	30,295	1.61	7,574	8	1,989,038
14	31,245	1.57	7,811	8	2,107,855
15	31,820	1.51	7,955	8	2,235,436
16	31,704	1.42	7,926	8	2,373,373
17	32,342	1.36	8,086	8	2,521,521
18	32,037	1.27	8,009	8	2,681,915
19	32,858	1.23	8,215	8	2,854,081
20	33,082	1.16	8,271	8	3,039,731
21	32,885	1.08	8,221	8	3,240,488
22	33,559	1.04	8,390	8	3,456,436
23	34,207	0.99	8,552	8	3,688,824
24	34,770	0.94	8,693	8	3,939,076
25	35,493	0.9	8,873	8	4,208,416
26	35,273	0.84	8,818	8	4,499,587
27	35,478	0.79	8,870	8	4,813,787
28	36,713	0.76	9,178	8	5,151,530
29	37,181	0.72	9,295	8	5,515,689
30	38,420	0.7	9,605	8	5,907,382

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))