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	24,794	2.36	6,199	8	1,100,978
3	25,537	2.32	6,384	8	1,156,114
4	25,430	2.2	6,358	8	1,215,798
5	25,237	2.08	6,309	8	1,280,506
6	25,458	1.99	6,365	8	1,350,105
7	26,396	1.96	6,599	8	1,424,063
8	26,415	1.85	6,604	8	1,503,912
9	26,830	1.78	6,708	8	1,589,614
10	26,983	1.7	6,746	8	1,681,975
11	27,480	1.63	6,870	8	1,781,084
12	27,956	1.57	6,989	8	1,887,507
13	28,228	1.5	7,057	8	2,002,093
14	28,343	1.42	7,086	8	2,125,698
15	29,053	1.37	7,263	8	2,258,276
16	28,900	1.28	7,225	8	2,401,657
17	28,953	1.21	7,238	8	2,556,440
18	29,538	1.16	7,385	8	2,722,851
19	30,109	1.11	7,527	8	2,901,839
20	30,047	1.04	7,512	8	3,095,225
21	30,112	0.97	7,528	8	3,303,999
22	30,397	0.92	7,599	8	3,529,107
23	31,144	0.88	7,786	8	3,771,260
24	31,618	0.84	7,905	8	4,032,173
25	31,546	0.78	7,887	8	4,314,052
26	32,758	0.76	8,190	8	4,616,918
27	32,656	0.71	8,164	8	4,944,145
28	33,424	0.68	8,356	8	5,296,560
29	34,472	0.65	8,618	8	5,675,816
30	35,612	0.63	8,903	8	6,083,942

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))