From spreadsheet to Ironlake

Your spreadsheet became theoperating system. Until it didn't.

The workbook worked for years - allocation, net worth, accounts, taxes, the retirement projection, the running notes. Then the formulas got fragile, the tabs multiplied, and the record of why you made each call faded. Ironlake gives every one of those tabs a durable home.

Start in about 30 minutes. No brokerage login. No import required.

Start your setup

Every tab has a home

The tabs you keep, mapped to where they live.

A serious wealth workbook is really six or seven jobs stitched together with formulas. Ironlake keeps each job, and adds the plan and the record the spreadsheet never enforced.

  • Target allocation & rebalance tabAsset Allocation Model + Template Gallery. Your sleeves, asset-class targets, and drift bands as a versioned model you can adopt from a template or build by hand - not formulas you re-paste every quarter.
  • Net-worth tabOverview + Net Worth History. One rollup across entities and accounts, with a dated history instead of a column you overwrite and lose.
  • Accounts & holdings tabPortfolio. Positions with tax character and look-through exposure. Enter by hand, or import from CSV / Excel when the precision is worth it - on your schedule, never a brokerage login.
  • Tax & brackets tabTax. Federal bracket schedules plus your state top marginal rate, an estimated-tax tracker, the loss-harvesting scanner, and capital-gains scenarios - the after-tax math your formulas approximated.
  • Retirement "will it last" tabProjection + Planning. A deterministic projection across base, conservative, and stressed cases with every input visible, plus the acute-pain planners (cash deployment, Roth, withdrawal sequencing).
  • Cash & income tabCash Flow. A 12-month passive-income forecast - scheduled bond coupons plus estimated dividends and fund distributions - income by tax character, burn-rate survival years, and a cash-reserve monitor.
  • Decisions & notes tabDecision Journal + Monthly Review. A durable record of what you did and why, with a monthly review cadence - so the rationale outlives your memory of the cell you typed it in.

Keep what worked. Leave behind what didn't.

You keep

  • ✓Control of every decision - you decide, Ironlake shows the math
  • ✓Manual entry, CSV, and Excel as first-class paths
  • ✓Your own data, on your own schedule, no account credentials
  • ✓The flexibility to go as deep as a given decision deserves

You leave behind

  • Brittle formulas and broken cross-tab references
  • Version chaos ("Final_v7_REAL.xlsx")
  • Overwritten history and lost prior states
  • Fading memory of why you made a call last year

Start with policy, not aggregation

You don't move it all at once.

Begin where the spreadsheet is weakest - the plan and the record - and add detail only when a decision is worth the work. Most operators get real value before importing a single position.

Plan & Policy

Write the plan and model

Adopt or build an allocation model, write your investment plan, run base / conservative / stressed scenarios, and complete a first monthly review - no positions required.

Portfolio Oversight

Add positions when ready

Import holdings for precise allocation rollups, look-through exposure, concentration monitoring, and income by tax character.

Tax-Lot Intelligence

Go deeper when it matters

Add lots when loss harvesting, wash-sale checks, capital-gains scenarios, and tax-prep exports are worth the extra detail.

Start your setup