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	24,348	2.32	6,087	8	1,101,554
3	24,279	2.2	6,070	8	1,158,358
4	24,423	2.11	6,106	8	1,219,521
5	24,430	2	6,108	8	1,285,567
6	24,257	1.89	6,064	8	1,357,121
7	24,457	1.8	6,114	8	1,434,141
8	25,408	1.77	6,352	8	1,516,096
9	25,277	1.67	6,319	8	1,604,777
10	26,005	1.62	6,501	8	1,699,613
11	25,897	1.52	6,474	8	1,802,175
12	26,399	1.46	6,600	8	1,912,294
13	26,868	1.41	6,717	8	2,030,618
14	27,599	1.36	6,900	8	2,157,464
15	28,165	1.31	7,041	8	2,293,729
16	29,254	1.28	7,314	8	2,439,489
17	29,812	1.22	7,453	8	2,596,191
18	30,611	1.18	7,653	8	2,764,398
19	31,767	1.15	7,942	8	2,944,570
20	32,960	1.12	8,240	8	3,137,617
21	33,340	1.06	8,335	8	3,345,618
22	33,896	1.01	8,474	8	3,569,542
23	34,825	0.98	8,706	8	3,810,181
24	34,521	0.91	8,630	8	4,070,464
25	35,410	0.87	8,853	8	4,350,422
26	35,394	0.81	8,849	8	4,652,797
27	36,376	0.78	9,094	8	4,978,096
28	37,458	0.75	9,365	8	5,328,022
29	38,763	0.73	9,691	8	5,704,259
30	39,281	0.69	9,820	8	6,109,927

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))