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	24,040	2.29	6,010	8	1,101,952
3	24,846	2.25	6,212	8	1,158,056
4	24,625	2.13	6,156	8	1,218,934
5	25,295	2.08	6,324	8	1,283,818
6	25,782	2.01	6,446	8	1,353,264
7	25,545	1.89	6,386	8	1,428,572
8	26,400	1.85	6,600	8	1,508,802
9	26,551	1.76	6,638	8	1,595,255
10	26,343	1.65	6,586	8	1,688,893
11	26,620	1.58	6,655	8	1,789,665
12	26,831	1.5	6,708	8	1,898,226
13	27,678	1.46	6,920	8	2,014,379
14	28,543	1.42	7,136	8	2,138,709
15	28,494	1.33	7,124	8	2,273,048
16	29,277	1.29	7,319	8	2,417,125
17	30,357	1.26	7,589	8	2,571,335
18	30,939	1.2	7,735	8	2,737,130
19	30,877	1.13	7,719	8	2,916,269
20	31,101	1.07	7,775	8	3,109,450
21	32,280	1.04	8,070	8	3,316,565
22	32,435	0.98	8,109	8	3,540,049
23	33,569	0.95	8,392	8	3,779,949
24	33,470	0.89	8,368	8	4,039,168
25	33,177	0.82	8,294	8	4,319,503
26	33,370	0.77	8,343	8	4,622,015
27	33,708	0.73	8,427	8	4,948,293
28	33,673	0.68	8,418	8	5,300,719
29	34,003	0.64	8,501	8	5,680,912
30	34,661	0.61	8,665	8	6,090,673

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))