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	23,992	2.29	5,998	8	1,102,014
3	24,521	2.23	6,130	8	1,158,543
4	24,709	2.13	6,177	8	1,219,352
5	25,057	2.05	6,264	8	1,284,577
6	25,244	1.97	6,311	8	1,354,778
7	26,200	1.93	6,550	8	1,429,362
8	26,525	1.86	6,631	8	1,509,494
9	26,647	1.77	6,662	8	1,595,879
10	26,631	1.67	6,658	8	1,689,195
11	27,622	1.64	6,906	8	1,788,698
12	28,244	1.58	7,061	8	1,895,359
13	28,120	1.48	7,030	8	2,010,713
14	28,331	1.41	7,083	8	2,135,023
15	29,441	1.38	7,360	8	2,267,846
16	29,570	1.3	7,393	8	2,411,128
17	29,920	1.24	7,480	8	2,565,421
18	29,845	1.16	7,461	8	2,732,155
19	30,907	1.13	7,727	8	2,910,857
20	30,623	1.05	7,656	8	3,104,222
21	31,397	1.01	7,849	8	3,312,058
22	31,703	0.96	7,926	8	3,536,126
23	31,502	0.89	7,876	8	3,778,378
24	32,669	0.86	8,167	8	4,038,505
25	33,791	0.84	8,448	8	4,317,995
26	34,089	0.79	8,522	8	4,619,460
27	35,218	0.76	8,805	8	4,943,585
28	34,970	0.71	8,743	8	5,293,960
29	36,104	0.68	9,026	8	5,670,903
30	36,162	0.64	9,041	8	6,077,926

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))