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	24,930	2.38	6,233	8	1,100,803
3	25,553	2.32	6,388	8	1,155,904
4	26,470	2.29	6,618	8	1,214,230
5	27,303	2.25	6,826	8	1,276,147
6	27,339	2.14	6,835	8	1,342,971
7	27,262	2.03	6,816	8	1,415,240
8	27,462	1.94	6,866	8	1,493,033
9	27,891	1.87	6,973	8	1,576,496
10	28,934	1.84	7,234	8	1,665,290
11	29,783	1.79	7,446	8	1,760,093
12	30,432	1.73	7,608	8	1,861,643
13	31,351	1.68	7,838	8	1,970,131
14	31,876	1.62	7,969	8	2,086,621
15	32,930	1.58	8,233	8	2,211,070
16	33,053	1.49	8,263	8	2,345,317
17	33,593	1.43	8,398	8	2,489,608
18	34,635	1.39	8,659	8	2,644,097
19	35,683	1.35	8,921	8	2,809,593
20	37,099	1.32	9,275	8	2,986,502
21	38,275	1.28	9,569	8	3,176,047
22	38,553	1.21	9,638	8	3,380,398
23	38,966	1.15	9,742	8	3,600,563
24	39,090	1.09	9,773	8	3,838,181
25	39,949	1.04	9,987	8	4,093,702
26	40,430	0.99	10,108	8	4,369,043
27	41,248	0.94	10,312	8	4,665,357
28	42,582	0.91	10,646	8	4,983,654
29	42,432	0.85	10,608	8	5,327,609
30	44,097	0.83	11,024	8	5,696,933

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))