Year-end tax moves

Which year-end tax moves apply to you before December 31?

Answer a few questions and see the situational checklist for your household - RMDs, Roth bracket-fill, tax-loss harvesting, QCDs, and the 529 state deadline - each with the rough math and a countdown. It shows what applies; the exact figures live in the full Ironlake app.

Date of birth (oldest retirement-account owner)

With more than one owner, use the oldest owner of any IRA or employer retirement plan - RMD and QCD eligibility are per owner.

Estimated AGI (adjusted gross income)

Filing status

State of residence

I have a traditional IRADrives RMD and QCD eligibility (a QCD requires an IRA).I have a 401(k), 403(b), or other pre-tax employer planMay count toward a Roth conversion (depends on whether your plan allows in-plan Roth rollovers or in-service distributions).I have a taxable brokerage accountSurfaces tax-loss harvesting before year-end.

Ironlake turns this into a working year-end plan: the exact RMD, bracket-fill room, and lot-level harvest candidates, each linked to the tool that owns the math - and it remembers your setup year to year.

Open Ironlake

How this is computed

This is a reduced, anonymous slice of Ironlake's Year-End Checklist. It decides which items apply from your date of birth, filing status, estimated income, state, and which account types you hold, then shows a one-line rough figure and a countdown for each. The federal bracket-fill room uses the current federal schedule; the exact RMD amount, the wash-sale-aware harvest candidates, and the estimated-tax safe-harbor math need your actual balances and are computed in the app.

Estimated-tax and gifting items aren't shown here because they need details you can't enter anonymously; the 529 state deadline appears once your state's reference data is loaded. It flags what may apply and points you to the tool that owns the precise number, rather than telling you which move to make.