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	24,606	2.35	6,152	8	1,101,221
3	25,213	2.29	6,303	8	1,156,794
4	25,652	2.22	6,413	8	1,216,246
5	25,912	2.13	6,478	8	1,280,119
6	26,107	2.04	6,527	8	1,348,850
7	26,271	1.95	6,568	8	1,422,868
8	26,509	1.86	6,627	8	1,502,501
9	27,150	1.81	6,788	8	1,587,677
10	28,108	1.77	7,027	8	1,678,432
11	29,026	1.73	7,257	8	1,775,263
12	28,891	1.63	7,223	8	1,880,014
13	29,798	1.58	7,450	8	1,991,975
14	29,940	1.5	7,485	8	2,112,710
15	30,266	1.43	7,567	8	2,242,683
16	30,656	1.37	7,664	8	2,382,551
17	31,631	1.33	7,908	8	2,532,351
18	32,891	1.3	8,223	8	2,692,509
19	32,656	1.21	8,164	8	2,865,783
20	33,653	1.17	8,413	8	3,051,634
21	34,480	1.13	8,620	8	3,251,286
22	35,788	1.1	8,947	8	3,465,222
23	36,982	1.07	9,246	8	3,694,732
24	38,066	1.03	9,517	8	3,941,205
25	37,705	0.96	9,426	8	4,207,862
26	38,630	0.92	9,658	8	4,494,658
27	39,315	0.87	9,829	8	4,803,514
28	40,066	0.83	10,017	8	5,136,109
29	40,817	0.79	10,204	8	5,494,344
30	40,412	0.74	10,103	8	5,881,760

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))