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	24,504	2.34	6,126	8	1,101,353
3	24,925	2.26	6,231	8	1,157,308
4	25,124	2.17	6,281	8	1,217,483
5	24,936	2.05	6,234	8	1,282,714
6	25,850	2.02	6,463	8	1,351,984
7	25,844	1.91	6,461	8	1,426,804
8	26,055	1.83	6,514	8	1,507,337
9	26,818	1.78	6,705	8	1,593,328
10	26,741	1.68	6,685	8	1,686,299
11	27,329	1.62	6,832	8	1,785,949
12	28,258	1.58	7,065	8	1,892,372
13	28,425	1.5	7,106	8	2,007,094
14	28,734	1.43	7,184	8	2,130,594
15	28,605	1.34	7,151	8	2,264,141
16	29,062	1.28	7,266	8	2,407,782
17	28,966	1.2	7,242	8	2,563,038
18	28,819	1.12	7,205	8	2,730,904
19	29,635	1.09	7,409	8	2,911,147
20	30,764	1.06	7,691	8	3,104,353
21	30,914	1	7,729	8	3,312,822
22	30,979	0.94	7,745	8	3,537,885
23	31,803	0.9	7,951	8	3,779,890
24	31,661	0.84	7,915	8	4,041,439
25	31,869	0.79	7,967	8	4,323,643
26	32,337	0.75	8,084	8	4,627,820
27	33,312	0.72	8,328	8	4,955,073
28	34,400	0.69	8,600	8	5,307,103
29	34,243	0.65	8,561	8	5,687,498
30	34,397	0.6	8,599	8	6,098,126

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))