Wyoming Retirement Tracker

Wyoming Brokerage

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Log a month to set your balance

Countdown

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to retirement

Monthly Buffer

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at 4% withdrawal

Next Gate

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$0 Target $0

Retirement Cash Flow (projected)

VA disability—

4% withdrawal / mo—

VA loan PITI—

Living expenses—

Net buffer —

This month · Wyoming

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$0 logged Target $0

Pay period target

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Still needed this month

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All-time contributions

Wyoming

$0

Roth IRA

$0

Son’s brokerage

$0

Deposits logged

0

SPAXX cash · 2031 liquid need

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$0 in SPAXX Need $225,000

Total Wyoming—

SPAXX (cash / HYSA)—

Invested (ETFs + SpaceX)—

Still to park in SPAXX—

SPAXX is inside your Wyoming total. The 4% withdrawal buffer uses invested assets only (total − SPAXX), so cash for the 2031 liquid need is not double-counted.

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 money when it hits your account. Use pay period tags for the 1st / 15th, or “Other” for extras (bonus, tax refund, etc.).

Pay period

Date

Account

Amount ($)

Suggested half-month (WY): —

Also update Wyoming balances Total account (includes SPAXX) and SPAXX cash portion.

Notes (optional)

Update Wyoming balances

Total = ETFs + SpaceX + SPAXX. Track SPAXX separately for the $225k liquid goal.

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

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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 target ($)

Son’s brokerage / month ($)

Starting total Wyoming (if no balance yet) ($)

Starting SPAXX cash (if no balance yet) ($)

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

Wyoming Retirement Tracker