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	24,683	2.35	6,171	8	1,101,122
3	24,932	2.26	6,233	8	1,157,049
4	25,160	2.17	6,290	8	1,217,157
5	25,675	2.11	6,419	8	1,281,409
6	26,642	2.08	6,661	8	1,349,553
7	27,592	2.04	6,898	8	1,421,924
8	28,254	1.99	7,064	8	1,499,230
9	28,414	1.9	7,104	8	1,582,514
10	28,855	1.82	7,214	8	1,671,892
11	29,360	1.76	7,340	8	1,767,769
12	29,628	1.68	7,407	8	1,870,970
13	30,071	1.61	7,518	8	1,981,856
14	30,951	1.56	7,738	8	2,100,477
15	31,718	1.51	7,930	8	2,227,598
16	32,783	1.47	8,196	8	2,363,516
17	33,820	1.43	8,455	8	2,508,969
18	34,609	1.38	8,652	8	2,665,041
19	34,585	1.3	8,646	8	2,833,630
20	35,179	1.24	8,795	8	3,014,939
21	34,969	1.16	8,742	8	3,211,024
22	34,717	1.08	8,679	8	3,423,121
23	36,103	1.05	9,026	8	3,650,398
24	36,532	1	9,133	8	3,895,304
25	37,360	0.96	9,340	8	4,158,734
26	37,584	0.9	9,396	8	4,442,949
27	39,027	0.88	9,757	8	4,748,040
28	39,394	0.83	9,849	8	5,077,064
29	40,730	0.8	10,183	8	5,430,687
30	40,863	0.75	10,216	8	5,812,428

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))