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	24,274	2.31	6,069	8	1,101,649
3	24,533	2.23	6,133	8	1,158,134
4	24,406	2.11	6,102	8	1,219,300
5	25,035	2.05	6,259	8	1,284,549
6	25,351	1.97	6,338	8	1,354,610
7	25,636	1.89	6,409	8	1,429,908
8	25,411	1.78	6,353	8	1,511,520
9	26,292	1.74	6,573	8	1,598,525
10	26,327	1.65	6,582	8	1,692,445
11	27,144	1.6	6,786	8	1,792,825
12	27,705	1.55	6,926	8	1,900,512
13	28,557	1.5	7,139	8	2,015,715
14	28,543	1.42	7,136	8	2,140,151
15	28,525	1.33	7,131	8	2,274,566
16	28,676	1.26	7,169	8	2,419,539
17	28,908	1.19	7,227	8	2,575,811
18	29,715	1.15	7,429	8	2,743,543
19	29,434	1.07	7,359	8	2,925,056
20	29,880	1.02	7,470	8	3,120,515
21	30,885	0.99	7,721	8	3,330,315
22	31,469	0.94	7,867	8	3,556,145
23	32,009	0.9	8,002	8	3,799,345
24	31,858	0.84	7,965	8	4,062,195
25	32,318	0.8	8,080	8	4,345,480
26	32,321	0.74	8,080	8	4,651,425
27	33,378	0.72	8,345	8	4,980,481
28	33,591	0.67	8,398	8	5,335,587
29	34,630	0.65	8,658	8	5,717,761
30	35,631	0.62	8,908	8	6,129,218

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))