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	24,792	2.36	6,198	8	1,100,982
3	24,718	2.25	6,180	8	1,157,174
4	25,237	2.18	6,309	8	1,217,192
5	25,083	2.06	6,271	8	1,282,210
6	24,859	1.94	6,215	8	1,352,718
7	25,512	1.89	6,378	8	1,428,025
8	26,493	1.86	6,623	8	1,508,091
9	27,334	1.81	6,834	8	1,593,477
10	27,157	1.7	6,789	8	1,685,923
11	27,664	1.64	6,916	8	1,785,110
12	28,282	1.58	7,071	8	1,891,435
13	28,413	1.5	7,103	8	2,006,097
14	29,060	1.45	7,265	8	2,129,097
15	29,685	1.39	7,421	8	2,261,131
16	29,789	1.32	7,447	8	2,403,594
17	29,985	1.25	7,496	8	2,557,201
18	30,613	1.2	7,653	8	2,722,287
19	31,757	1.17	7,939	8	2,899,104
20	32,074	1.11	8,019	8	3,089,656
21	32,886	1.06	8,222	8	3,294,405
22	33,669	1.02	8,417	8	3,514,525
23	33,858	0.96	8,465	8	3,752,010
24	34,955	0.93	8,739	8	4,007,079
25	35,141	0.88	8,785	8	4,282,314
26	35,313	0.82	8,828	8	4,579,346
27	35,000	0.76	8,750	8	4,900,544
28	35,864	0.73	8,966	8	5,246,323
29	36,174	0.69	9,044	8	5,619,364
30	36,524	0.65	9,131	8	6,021,797

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))