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	24,904	2.37	6,226	8	1,100,837
3	25,236	2.29	6,309	8	1,156,350
4	25,106	2.17	6,277	8	1,216,471
5	25,083	2.06	6,271	8	1,281,431
6	25,470	1.99	6,368	8	1,351,089
7	25,712	1.9	6,428	8	1,426,008
8	26,702	1.87	6,676	8	1,505,643
9	27,065	1.8	6,766	8	1,591,181
10	28,100	1.77	7,025	8	1,682,226
11	29,072	1.73	7,268	8	1,779,301
12	29,917	1.68	7,479	8	1,883,052
13	30,882	1.64	7,721	8	1,993,858
14	31,436	1.58	7,859	8	2,112,814
15	31,616	1.5	7,904	8	2,241,054
16	31,475	1.4	7,869	8	2,379,735
17	32,079	1.35	8,020	8	2,528,732
18	32,802	1.3	8,201	8	2,688,715
19	33,473	1.24	8,368	8	2,860,632
20	34,247	1.2	8,562	8	3,045,304
21	34,209	1.12	8,552	8	3,244,799
22	34,243	1.06	8,561	8	3,460,209
23	34,160	0.99	8,540	8	3,692,959
24	35,069	0.95	8,767	8	3,943,157
25	35,507	0.9	8,877	8	4,212,805
26	35,674	0.85	8,919	8	4,503,809
27	35,772	0.79	8,943	8	4,817,968
28	36,235	0.75	9,059	8	5,156,662
29	37,634	0.73	9,409	8	5,520,647
30	38,544	0.7	9,636	8	5,912,577

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))