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	24,939	2.38	6,235	8	1,100,792
3	25,004	2.27	6,251	8	1,156,600
4	25,325	2.19	6,331	8	1,216,459
5	25,247	2.08	6,312	8	1,281,207
6	25,836	2.02	6,459	8	1,350,375
7	26,069	1.93	6,517	8	1,424,776
8	26,080	1.83	6,520	8	1,505,115
9	25,999	1.73	6,500	8	1,591,985
10	26,138	1.64	6,535	8	1,685,625
11	26,167	1.55	6,542	8	1,786,719
12	26,588	1.49	6,647	8	1,895,358
13	26,963	1.42	6,741	8	2,012,204
14	27,825	1.38	6,956	8	2,137,286
15	27,938	1.31	6,985	8	2,272,228
16	28,341	1.25	7,085	8	2,417,447
17	29,005	1.2	7,251	8	2,573,427
18	29,355	1.14	7,339	8	2,741,433
19	30,047	1.1	7,512	8	2,921,987
20	30,931	1.06	7,733	8	3,115,845
21	31,227	1	7,807	8	3,324,830
22	31,600	0.95	7,900	8	3,550,052
23	31,404	0.88	7,851	8	3,793,545
24	32,337	0.85	8,084	8	4,055,314
25	32,610	0.8	8,153	8	4,337,672
26	33,569	0.77	8,392	8	4,641,382
27	33,440	0.72	8,360	8	4,969,555
28	34,215	0.69	8,554	8	5,322,982
29	34,366	0.65	8,592	8	5,704,488
30	35,083	0.62	8,771	8	6,115,590

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))