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	24,608	2.35	6,152	8	1,101,219
3	24,455	2.22	6,114	8	1,157,769
4	24,394	2.11	6,099	8	1,218,922
5	25,368	2.08	6,342	8	1,283,711
6	26,036	2.03	6,509	8	1,352,821
7	26,257	1.94	6,564	8	1,427,175
8	26,889	1.88	6,722	8	1,506,662
9	26,987	1.79	6,747	8	1,592,381
10	27,742	1.74	6,936	8	1,683,984
11	28,376	1.69	7,094	8	1,782,098
12	29,501	1.66	7,375	8	1,886,610
13	30,009	1.59	7,502	8	1,998,827
14	29,831	1.49	7,458	8	2,120,251
15	30,112	1.42	7,528	8	2,251,027
16	30,554	1.36	7,639	8	2,391,694
17	31,137	1.3	7,784	8	2,542,863
18	30,835	1.21	7,709	8	2,706,515
19	31,290	1.16	7,823	8	2,882,672
20	31,820	1.1	7,955	8	3,072,238
21	32,633	1.06	8,158	8	3,275,921
22	33,936	1.04	8,484	8	3,494,217
23	34,917	1	8,729	8	3,728,712
24	35,743	0.96	8,936	8	3,980,900
25	36,463	0.92	9,116	8	4,252,334
26	36,936	0.87	9,234	8	4,544,873
27	36,717	0.81	9,179	8	4,861,098
28	37,198	0.77	9,300	8	5,202,000
29	37,419	0.72	9,355	8	5,569,889
30	38,080	0.68	9,520	8	5,966,357

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))