MCP Server
Retirement math,
inside your AI.
19 tools for Claude, Cursor, and any MCP-compatible agent. Ask about CPP timing, run Monte Carlo, or find out what a $70K car costs your retirement.
run_monte_carlo
87%
success rate
1,000 simulations complete. At the 10th percentile you run out at 82. Cutting $400/mo spending pushes success to 91%.
Questions your agent
can finally answer
Real numbers. Real tax math. Not rules of thumb.
Projections
Age 82
Money lasts
Year-by-year retirement projection with real tax math for every province and state.
Monte Carlo
87%
Success rate
Probabilistic outcomes across 1,000 simulations with 10th / 50th / 90th percentile bands.
CPP / SS Timing
+$74K
Delay pays off
CPP breakeven at 74. The right claiming age, calculated against your actual life expectancy.
Setup
Connect in 2 minutes
1
Get your API key
Free tier includes 5 calls/day and all 14 single-person tools. No credit card, no account required.
Get free key →2
Add to your config
One JSON block into Claude Desktop, Cursor, or any MCP-compatible host. Swap in your key and you're live.
See configs →3
Ask anything
Your agent now has access to the full Cinderfi tax engine, projection models, and optimization tools.
View docs →19 Tools
Everything your agent needs
14 tools free. 5 more with Pro — Monte Carlo, optimizer, backtest, scenarios, and couples projections for every tool.
Projections & Analysis
run_projection Year-by-year retirement projection (single person) run_full_analysis Projection + score + insights in one call calculate_score Cinder Score 0–100 retirement readiness generate_insights Personalized optimization recommendations Tax & Benefits
calculate_tax Income tax for any province or US state estimate_benefit CPP/OAS or Social Security with claiming age calculate_cpp_timing CPP breakeven analysis at every age 60–70 calculate_ss_timing Social Security 62–70 vs full retirement age calculate_gis GIS eligibility, clawback & provincial supplement calculate_meltdown RRSP meltdown / Roth conversion strategy Spending & Impact
simulate_purchase Retirement cost of a one-time or recurring expense simulate_windfall Optimal allocation for an inheritance or bonus compare_spending_strategies Fixed / Guyton-Klinger / VPW comparison map_financial_data Convert YNAB/bank exports to Cinderfi inputs Pro Tools
PROrun_monte_carlo Probabilistic success with percentile outcomes optimize_withdrawal_order Best CPP/SS timing + withdrawal strategy run_backtest Every historical window since 1871 (Shiller data) compare_scenarios Side-by-side 1–4 scenario comparison optimize_pension_split Minimize combined tax via pension income splitting Pro tools also unlock couples projections across all single-person tools.
Pricing
Simple, transparent
MCP Free
$0 forever
14 single-person tools with full tax engines for Canada and the US. No account required.
Get Free Key✓ 14 single-person tools
Projections, tax, benefits, spending impact
✓ Full projection engine
Year-by-year, real tax math
✓ Tax engines (CA + US)
All 13 provinces, all 50 states
✓ CPP/OAS & Social Security
Timing analysis & breakeven
— Monte Carlo & optimizer
— Couples tools & backtest
MCP Pro
$5/mo
CA$7/mo · or see yearly below
Everything in Free, plus the tools that answer the hard questions:
What's my Monte Carlo success rate? When should I take CPP? How does my plan hold up against the Great Depression?
Get MCP Pro✓ 500 calls/day
No daily cap
✓ All 19 tools + couples
Including all Pro-only tools
✓ Monte Carlo simulations
1,000-run probabilistic success rate
✓ Withdrawal optimizer
CPP/SS timing + order + meltdown
✓ Backtest (1871–2024)
Every historical market window
Already a Cinderfi Pro subscriber? MCP access is included with your plan — generate your key below.
Config
Drop it in and you're done
Add to your claude_desktop_config.json:
{
"mcpServers": {
"cinderfi": {
"command": "npx",
"args": ["-y", "mcp-remote", "https://mcp.cinderfi.com/mcp"],
"env": {
"AUTHORIZATION": "Bearer YOUR_API_KEY"
}
}
}
}
File location: ~/Library/Application Support/Claude/claude_desktop_config.json (macOS)
Endpoint: https://mcp.cinderfi.com/mcp
Auth: Authorization: Bearer <api-key>
Transports: Streamable HTTP, SSE
Full documentation and agent skills: GitHub
PRO
MCP Pro is included with your Cinderfi subscription.
Enter your email to generate your API key with full Pro access — 500 calls/day, all 19 tools.
Get started
Get your API key
Free tier: 5 calls/day, no credit card required.
Your API Key
To view your full key, rotate, or revoke it — open your app settings.
Open Cinderfi SettingsGenerate your API key instantly — no email needed.
Copy this key now — it won't be shown again.
Claude Desktop config
Claude Code / Cursor config
Manage your key, view usage, and rotate keys in your Cinderfi app settings.
You're in.
Your API key has been sent to your email.
Your API Key
Claude Desktop config
OpenClaw / Cursor config
Need 500 calls/day + Monte Carlo, optimizer, and couples tools?
Upgrade to MCP Pro — $5/mo
Your AI agent is missing
the math.
Connect Cinderfi and it can answer retirement questions your agent could never handle before.
Get Free API Key