As long as you have different sheets, you can apply a filter to each individually. Put one sheet on IRA and another on Personal, and just have a filter on the sheet that goes on the Personal dashboard.
Actually in every dashboard I have 4 charts. So if I have to create a new worksheet I have to create 20 different worksheets for four different dashboard
So please suggest some other option
I can't suggest something else. If the filter is on the sheet, Tableau is going to honor that filter.