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	24,401	2.33	6,100	8	1,101,486
3	24,570	2.23	6,143	8	1,157,909
4	25,346	2.19	6,337	8	1,217,845
5	26,317	2.16	6,579	8	1,281,324
6	26,977	2.11	6,744	8	1,349,030
7	27,017	2	6,754	8	1,422,101
8	27,967	1.97	6,992	8	1,499,791
9	28,910	1.93	7,228	8	1,582,480
10	29,635	1.87	7,409	8	1,670,849
11	29,897	1.79	7,474	8	1,765,950
12	30,483	1.73	7,621	8	1,867,903
13	30,901	1.65	7,725	8	1,977,473
14	31,054	1.57	7,764	8	2,095,611
15	31,579	1.51	7,895	8	2,222,523
16	31,712	1.43	7,928	8	2,359,416
17	31,877	1.35	7,969	8	2,507,048
18	31,571	1.26	7,893	8	2,666,885
19	32,828	1.23	8,207	8	2,837,888
20	33,358	1.18	8,340	8	3,021,887
21	33,395	1.11	8,349	8	3,220,558
22	34,572	1.07	8,643	8	3,433,605
23	34,342	1	8,586	8	3,663,992
24	34,837	0.95	8,709	8	3,912,172
25	34,986	0.89	8,747	8	4,180,013
26	35,518	0.85	8,880	8	4,468,595
27	35,524	0.79	8,881	8	4,780,257
28	35,466	0.74	8,867	8	5,116,926
29	36,086	0.71	9,022	8	5,479,729
30	37,164	0.68	9,291	8	5,870,166

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))