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	24,512	2.34	6,128	8	1,101,343
3	24,673	2.24	6,168	8	1,157,623
4	25,309	2.19	6,327	8	1,217,584
5	25,591	2.1	6,398	8	1,281,978
6	25,804	2.01	6,451	8	1,351,249
7	25,612	1.9	6,403	8	1,426,309
8	25,779	1.81	6,445	8	1,507,159
9	26,215	1.74	6,554	8	1,593,914
10	26,497	1.66	6,624	8	1,687,246
11	27,012	1.6	6,753	8	1,787,380
12	27,668	1.55	6,917	8	1,894,679
13	27,849	1.47	6,962	8	2,010,328
14	28,702	1.43	7,176	8	2,134,128
15	29,313	1.37	7,328	8	2,267,045
16	29,480	1.3	7,370	8	2,410,379
17	30,322	1.26	7,581	8	2,564,093
18	30,614	1.19	7,654	8	2,729,728
19	30,791	1.13	7,698	8	2,908,386
20	31,475	1.08	7,869	8	3,100,454
21	31,205	1.01	7,801	8	3,308,236
22	31,795	0.96	7,949	8	3,531,879
23	32,682	0.93	8,171	8	3,772,269
24	33,490	0.89	8,373	8	4,030,848
25	34,152	0.85	8,538	8	4,309,260
26	35,103	0.81	8,776	8	4,608,718
27	35,134	0.76	8,784	8	4,932,092
28	35,304	0.72	8,826	8	5,281,117
29	35,746	0.68	8,937	8	5,657,494
30	35,990	0.64	8,998	8	6,063,666

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))