Free tools
Small tools. Real math. No sign-up.
Each of these is a stripped-down slice of something the full Ironlake product does. Use them anonymously, share the link, print the output. When you're ready for the version that remembers your inputs and turns into a durable plan you can come back to, the app is one click away.
Cash Deployment
Cash hit the account. Allocate new money to a target mix and choose whether to deploy it now or spread it over 3, 6, or 12 months.
Build a deployment plan
Roth Conversion Estimator
See the immediate federal and state tax a Roth conversion would add, and whether it crosses an IRMAA Medicare tier. You choose the amount; it shows the math.
Estimate the tax
Tax-Equivalent Muni Yield
Compare a municipal bond's stated yield with the taxable bond yield needed to match it after federal and state tax.
Run the calculator
True All-In Cost
Add advisory fees, average fund costs, and an optional tax estimate to see annual portfolio cost in dollars and basis points.
Compute the total
Estate-Tax Exposure
A quick look at your projected federal and state estate tax at current law. It shows the math; the figures and any planning belong with your estate attorney.
Estimate your exposure
Investment Plan Generator
Answer a few questions and produce a draft written investment plan (an IPS): your objectives, allocation, sell discipline, and review cadence.
Draft your plan
These calculators are illustrative based on the inputs you provide. They are not investment advice and do not account for every relevant tax, regulatory, or personal factor. Consult your own qualified professionals before making financial decisions.