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	23,921	2.28	5,980	8	1,102,105
3	24,196	2.2	6,049	8	1,159,061
4	24,132	2.08	6,033	8	1,220,656
5	23,892	1.96	5,973	8	1,287,488
6	24,198	1.88	6,050	8	1,359,271
7	25,131	1.85	6,283	8	1,435,593
8	24,944	1.74	6,236	8	1,518,263
9	25,347	1.67	6,337	8	1,607,026
10	25,193	1.57	6,298	8	1,703,089
11	25,263	1.48	6,316	8	1,806,747
12	25,028	1.39	6,257	8	1,919,001
13	24,988	1.3	6,247	8	2,040,287
14	25,198	1.24	6,300	8	2,171,004
15	25,028	1.15	6,257	8	2,312,398
16	24,918	1.08	6,230	8	2,465,245
17	24,799	1.01	6,200	8	2,630,474
18	25,150	0.96	6,288	8	2,808,468
19	25,344	0.9	6,336	8	3,000,452
20	25,667	0.86	6,417	8	3,207,377
21	25,607	0.8	6,402	8	3,430,934
22	26,209	0.76	6,552	8	3,671,599
23	26,456	0.72	6,614	8	3,931,199
24	27,209	0.69	6,802	8	4,210,596
25	27,169	0.65	6,792	8	4,512,396
26	26,982	0.6	6,746	8	4,838,580
27	27,169	0.56	6,792	8	5,190,619
28	27,342	0.53	6,836	8	5,570,597
29	27,509	0.49	6,877	8	5,980,758
30	27,738	0.46	6,935	8	6,423,436

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))