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	24,269	2.31	6,067	8	1,101,656
3	24,353	2.21	6,088	8	1,158,373
4	25,081	2.17	6,270	8	1,218,689
5	25,770	2.11	6,443	8	1,282,940
6	25,803	2.01	6,451	8	1,352,289
7	26,364	1.95	6,591	8	1,426,463
8	26,523	1.86	6,631	8	1,506,365
9	26,806	1.78	6,702	8	1,592,294
10	27,276	1.71	6,819	8	1,684,491
11	27,739	1.65	6,935	8	1,783,467
12	28,184	1.58	7,046	8	1,889,787
13	28,564	1.51	7,141	8	2,004,122
14	28,639	1.43	7,160	8	2,127,507
15	29,093	1.37	7,273	8	2,260,178
16	29,542	1.31	7,386	8	2,402,883
17	30,275	1.26	7,569	8	2,556,059
18	31,452	1.23	7,863	8	2,719,971
19	31,510	1.16	7,878	8	2,896,920
20	32,129	1.11	8,032	8	3,087,227
21	33,148	1.07	8,287	8	3,291,444
22	33,312	1.01	8,328	8	3,511,787
23	33,622	0.96	8,406	8	3,749,357
24	34,091	0.91	8,523	8	4,005,328
25	34,926	0.87	8,732	8	4,280,699
26	35,843	0.84	8,961	8	4,576,917
27	37,150	0.81	9,288	8	4,895,146
28	37,473	0.77	9,368	8	5,238,418
29	37,361	0.71	9,340	8	5,609,296
30	37,392	0.67	9,348	8	6,009,804

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))