Wyoming Retirement Tracker

Wyoming total

—

Countdown

—

to retirement

Monthly Buffer

—

Next Gate

—

$0 Target $0

Retirement Cash Flow (projected)

VA disability—

4% withdrawal / mo—

VA loan PITI—

Living expenses—

Net buffer —

This month · Wyoming

—

$0 logged Target $0

Still needed this month

—

Wyoming contributions logged

Wyoming all-time

$0

Deposits logged

0

How Wyoming is split

Invested

—

ETFs + SpaceX

SPAXX cash

—

HYSA-style

SPAXX → liquid need

—

$0 in SPAXX Need —

Still to park in SPAXX —

Gates use total (invested + SPAXX) — same as how the annual targets were built. Deposits are just dollars in; you don’t split each paycheck. Update the two balances when you check the account. 4% buffer uses invested only, so SPAXX cash isn’t counted as withdrawal principal.

Supplements · not in Wyoming gates

Track only — Roth and spouse 401(k) do not change gates, monthly buffer, or projections.

Roth IRA

—

Update balance under Log

YTD contributions

—

$0 logged Target $0

—

Wife’s 401(k)

—

Update total under Log when you check the statement

Tracked accounts total

—

Wyoming (invested + SPAXX) —

Roth IRA —

Wife’s 401(k) —

Monthly target (Wyoming)

0%

$0 of $0

Log each deposit as money lands — 1st, 15th, or any day. Totals roll up to the monthly goal.

Add a deposit

Record new money in (contribution). For Roth, this feeds the YTD contribution meter only — not the account balance. Use pay period tags for the 1st / 15th, or “Other” for extras.

Pay period

Date

Account

Amount ($)

Suggested half-month (WY): —

Also update account balances Enter invested and SPAXX separately — total is calculated (gates use total).

Notes (optional)

Update account balances

Two fields only. You don’t need to split deposits — just refresh these when you look at the account. Gates use total = invested + SPAXX. SPAXX tracks toward your liquid-need target in Settings.

Update supplements

Not redundant with deposits. Deposits = dollars contributed this year (YTD bar). These fields = full account balances when you check statements. Neither feeds Wyoming gates or cash-flow projections.

History

0 items

No deposits yet. Log money as it arrives.

Yearly gates

Minimum Wyoming brokerage balance at end of July each year. Colors: green on track, yellow close (≥90%), red behind.

Future gates use your active projection rate.

Future projections

Starts from your latest balance, adds planned monthly Wyoming contributions through Jul 2031, and compounds monthly.

Projected at retirement

—

vs $1,217,000 gate

Balance at each gate

After July 2031 (4% rule)

Year-1 annual withdrawal—

Monthly withdrawal—

Monthly buffer—

Buffer = VA disability + monthly withdrawal − PITI − living expenses. Withdrawal uses invested assets (total − SPAXX). SPAXX funds the $225,000 liquid need.

Assumptions

Plan parameters

Hard-coded defaults you can adjust. Changes save instantly on this device.

Timeline

Retirement date

Current age

Age at retirement

Contributions

Monthly WY contribution target ($)

Start

End

Roth annual contribution target ($)

Tracking only — YTD meter on Home. Not in gates or projections.

Starting invested — ETFs + SpaceX ($)

Starting SPAXX cash ($)

Starting total for gates = invested + SPAXX. Used only until you save a balance snapshot under Log.

Retirement cash flow

VA loan PITI / month ($)

VA disability / month ($)

Living expenses / month ($)

SPAXX liquid need by 2031 ($)

Withdrawal rate (e.g. 0.04)

Yearly gates (end of July)

2027 ($)

2028 ($)

2029 ($)

2030 ($)

2031 ($)

Access & sync

Server password unlocks the app and syncs deposits/balances between phone and computer in near real time.

Status: —

Sync: —

To change the password, update the Cloudflare Pages secret APP_PASSWORD, then unlock with the new password on each device.

Data & help

Import backup

Clears deposits, balance history, Roth/401(k) snapshots, and cloud sync. Settings fields refill with built-in plan defaults (gates, monthly target, ages, etc.) — that is normal, not leftover personal history.

Wyoming Retirement Tracker