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	24,210	2.31	6,053	8	1,101,732
3	25,017	2.27	6,254	8	1,157,599
4	25,131	2.17	6,283	8	1,217,788
5	25,074	2.06	6,269	8	1,282,865
6	24,982	1.95	6,246	8	1,353,267
7	24,819	1.83	6,205	8	1,429,512
8	25,480	1.78	6,370	8	1,511,004
9	26,441	1.75	6,610	8	1,597,776
10	27,303	1.71	6,826	8	1,690,377
11	27,796	1.64	6,949	8	1,789,750
12	28,260	1.58	7,065	8	1,896,475
13	28,306	1.49	7,077	8	2,011,678
14	28,546	1.42	7,137	8	2,135,787
15	29,411	1.38	7,353	8	2,268,710
16	30,269	1.33	7,567	8	2,411,160
17	31,252	1.3	7,813	8	2,563,738
18	31,532	1.23	7,883	8	2,728,161
19	31,690	1.16	7,923	8	2,905,533
20	32,850	1.13	8,213	8	3,095,599
21	33,318	1.08	8,330	8	3,300,266
22	34,091	1.03	8,523	8	3,520,310
23	33,883	0.96	8,471	8	3,758,225
24	34,602	0.92	8,651	8	4,014,246
25	35,926	0.89	8,982	8	4,289,041
26	35,777	0.83	8,944	8	4,586,012
27	36,891	0.8	9,223	8	4,905,303
28	37,656	0.77	9,414	8	5,249,151
29	37,648	0.72	9,412	8	5,620,517
30	37,986	0.68	9,497	8	6,021,156

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))