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	23,946	2.28	5,987	8	1,102,072
3	24,170	2.19	6,043	8	1,159,058
4	24,963	2.15	6,241	8	1,219,580
5	25,683	2.11	6,421	8	1,284,015
6	26,371	2.05	6,593	8	1,352,717
7	26,232	1.94	6,558	8	1,427,095
8	26,464	1.85	6,616	8	1,507,124
9	26,370	1.75	6,593	8	1,593,676
10	26,860	1.69	6,715	8	1,686,521
11	26,608	1.58	6,652	8	1,787,118
12	27,617	1.55	6,904	8	1,894,462
13	28,583	1.51	7,146	8	2,009,147
14	29,006	1.44	7,252	8	2,132,461
15	29,617	1.39	7,404	8	2,264,852
16	29,772	1.31	7,443	8	2,407,634
17	30,792	1.28	7,698	8	2,560,523
18	31,679	1.24	7,920	8	2,724,499
19	32,595	1.2	8,149	8	2,900,411
20	32,667	1.13	8,167	8	3,090,303
21	33,474	1.08	8,369	8	3,294,345
22	34,500	1.05	8,625	8	3,513,388
23	35,518	1.01	8,880	8	3,748,640
24	36,168	0.96	9,042	8	4,001,874
25	37,548	0.94	9,387	8	4,273,587
26	38,370	0.9	9,593	8	4,565,976
27	39,801	0.87	9,950	8	4,879,911
28	39,407	0.81	9,852	8	5,219,469
29	40,657	0.78	10,164	8	5,584,579
30	41,599	0.74	10,400	8	5,977,682

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))