Built for the
long burn
Your whole financial life in one plan that thinks as far ahead as you do.
Sync transactions Model real tax Optimize retirement
Try Your NumbersRetire at
65
Portfolio lasts through retirement
Your Income
Your Savings
Age 35 · Retire at 65 · Canada (ON)
Cinderfi finds
the true cost
Small choices, big consequences.
A $40K Wedding
$40,000
Retire 1.9 years later
−$766/mo retirement income
A $50K Luxury Car
$50,000
Retire 2.4 years later
−$957/mo retirement income
A $25K Kitchen Renovation
$25,000
Retire 1.2 years later
−$479/mo retirement income
Cinderfi finds
the future value
Small changes, big gains.
A $50K Inheritance
$50,000
Retire 2.4 years earlier
+$957/mo retirement income
A $10K Annual Bonus
$10,000
Retire 0.5 years earlier
+$191/mo retirement income
A $5K Tax Refund Invested
$5,000
Retire 0.2 years earlier
+$96/mo retirement income
What's inside
Everything connects. Your budget feeds your projection. Your projection informs your tax strategy. Every change ripples through the whole plan.
Full Tax Engines
Federal + provincial/state brackets for all 13 Canadian provinces and 50 US states. Not estimates — real math.
Historical Backtesting
Test your plan against every market period since 1871. Accumulation, retirement, or full lifecycle.
Budget & Transaction Sync
Connect YNAB, import CSV/OFX, or link your bank with Plaid. Every transaction shifts your retirement date in real time.
Strategy Optimizer
Sweeps CPP/SS timing, withdrawal order, meltdown brackets, and spousal splits to find the combination that minimizes your lifetime tax.
Cinder Score
A 0–100 readiness score that updates with every change. See exactly how any purchase or savings decision shifts your retirement date.