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	24,468	2.33	6,117	8	1,101,399
3	24,920	2.26	6,230	8	1,157,364
4	25,240	2.18	6,310	8	1,217,394
5	25,786	2.12	6,447	8	1,281,521
6	26,396	2.06	6,599	8	1,349,992
7	26,421	1.96	6,605	8	1,423,909
8	26,822	1.88	6,706	8	1,503,221
9	27,051	1.8	6,763	8	1,588,583
10	27,151	1.71	6,788	8	1,680,645
11	26,958	1.6	6,740	8	1,780,320
12	27,749	1.56	6,937	8	1,886,950
13	27,571	1.46	6,893	8	2,002,339
14	27,893	1.39	6,973	8	2,126,544
15	28,219	1.33	7,055	8	2,260,265
16	29,308	1.3	7,327	8	2,403,279
17	30,378	1.26	7,595	8	2,556,353
18	30,827	1.21	7,707	8	2,721,094
19	30,694	1.13	7,674	8	2,899,186
20	30,473	1.05	7,618	8	3,091,811
21	31,421	1.02	7,855	8	3,298,623
22	32,621	0.99	8,155	8	3,520,432
23	33,496	0.95	8,374	8	3,758,857
24	34,578	0.92	8,645	8	4,014,959
25	34,882	0.87	8,721	8	4,291,157
26	35,260	0.82	8,815	8	4,588,964
27	36,572	0.8	9,143	8	4,908,903
28	37,563	0.77	9,391	8	5,253,159
29	38,612	0.74	9,653	8	5,623,602
30	39,965	0.71	9,991	8	6,021,936

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))