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	24,690	2.35	6,173	8	1,101,113
3	25,324	2.3	6,331	8	1,156,534
4	25,969	2.25	6,492	8	1,215,557
5	26,689	2.2	6,672	8	1,278,373
6	27,501	2.15	6,875	8	1,345,167
7	28,117	2.09	7,029	8	1,416,510
8	28,288	2	7,072	8	1,493,339
9	28,306	1.9	7,077	8	1,576,291
10	28,231	1.79	7,058	8	1,665,976
11	29,166	1.75	7,292	8	1,761,629
12	29,971	1.7	7,493	8	1,863,896
13	29,720	1.59	7,430	8	1,974,669
14	30,173	1.53	7,543	8	2,093,720
15	29,891	1.43	7,473	8	2,222,658
16	30,489	1.37	7,622	8	2,361,140
17	30,562	1.29	7,641	8	2,510,606
18	31,620	1.26	7,905	8	2,670,665
19	32,625	1.22	8,156	8	2,842,232
20	33,391	1.17	8,348	8	3,026,536
21	34,147	1.13	8,537	8	3,224,609
22	35,382	1.1	8,846	8	3,436,934
23	36,098	1.05	9,025	8	3,665,322
24	37,196	1.01	9,299	8	3,910,565
25	37,503	0.96	9,376	8	4,175,031
26	37,357	0.89	9,339	8	4,460,843
27	37,425	0.84	9,356	8	4,769,432
28	38,703	0.81	9,676	8	5,101,059
29	39,086	0.77	9,772	8	5,458,722
30	39,273	0.72	9,818	8	5,844,758

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))