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	24,542	2.34	6,136	8	1,101,304
3	24,451	2.22	6,113	8	1,157,866
4	24,517	2.12	6,129	8	1,218,869
5	25,183	2.07	6,296	8	1,283,892
6	25,055	1.95	6,264	8	1,354,282
7	25,082	1.85	6,271	8	1,430,268
8	25,036	1.75	6,259	8	1,512,393
9	25,067	1.66	6,267	8	1,601,048
10	25,534	1.59	6,384	8	1,696,192
11	25,801	1.52	6,450	8	1,798,604
12	25,719	1.43	6,430	8	1,909,315
13	25,542	1.34	6,386	8	2,029,111
14	26,077	1.29	6,519	8	2,157,801
15	26,626	1.23	6,657	8	2,296,077
16	27,446	1.2	6,862	8	2,444,357
17	27,986	1.14	6,997	8	2,603,803
18	28,088	1.08	7,022	8	2,775,874
19	28,928	1.04	7,232	8	2,960,627
20	28,981	0.98	7,245	8	3,160,092
21	30,114	0.95	7,529	8	3,374,052
22	30,300	0.9	7,575	8	3,604,889
23	30,347	0.84	7,587	8	3,854,132
24	30,234	0.78	7,559	8	4,123,460
25	30,757	0.75	7,689	8	4,413,661
26	31,779	0.72	7,945	8	4,725,759
27	32,503	0.69	8,126	8	5,061,891
28	33,219	0.66	8,305	8	5,423,990
29	34,450	0.64	8,613	8	5,813,468
30	34,116	0.59	8,529	8	6,234,536

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))