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	23,983	2.29	5,996	8	1,102,025
3	24,105	2.19	6,026	8	1,159,092
4	25,019	2.16	6,255	8	1,219,545
5	24,990	2.05	6,248	8	1,284,871
6	25,712	2	6,428	8	1,354,492
7	25,868	1.91	6,467	8	1,429,482
8	25,993	1.82	6,498	8	1,510,310
9	26,434	1.75	6,609	8	1,597,034
10	26,800	1.68	6,700	8	1,690,225
11	27,773	1.64	6,943	8	1,789,616
12	28,037	1.57	7,009	8	1,896,618
13	28,408	1.5	7,102	8	2,011,701
14	28,297	1.41	7,074	8	2,136,134
15	28,415	1.33	7,104	8	2,270,369
16	28,321	1.25	7,080	8	2,415,465
17	28,979	1.2	7,245	8	2,571,319
18	29,223	1.14	7,306	8	2,739,327
19	30,156	1.1	7,539	8	2,919,572
20	29,884	1.02	7,471	8	3,114,587
21	29,598	0.95	7,400	8	3,325,572
22	29,738	0.89	7,435	8	3,553,255
23	29,771	0.84	7,443	8	3,799,111
24	30,319	0.8	7,580	8	4,063,928
25	31,349	0.77	7,837	8	4,348,602
26	32,413	0.75	8,103	8	4,654,678
27	32,926	0.71	8,232	8	4,984,577
28	33,002	0.66	8,251	8	5,340,770
29	32,903	0.62	8,226	8	5,725,586
30	33,373	0.58	8,343	8	6,140,582

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))