Built for the
long burn
Your whole financial life in one plan that thinks as far ahead as you do.
Will your money last?
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 — the only tool that does all three.
Budget & Transaction Sync
Connect YNAB, import CSV/OFX, or link your bank with Plaid. Every transaction shifts your retirement date in real time.
CPP/OAS & Social Security
Claiming age optimization with break-even analysis. See the lifetime impact of starting at 60 vs 65 vs 70.
Strategy Optimizer
Sweeps CPP/SS timing, withdrawal order, meltdown brackets, TFSA strategy, and spousal splits to find the combination that minimizes your lifetime tax.
Scenario Comparison
Create "what if" variants — retire at 55 vs 60, bull vs bear markets, downsize vs stay — and compare side by side.
Cinder Score & Impact Simulator
A 0–100 score that updates with every change. See exactly how any purchase or savings decision shifts your retirement date.
15 Interactive Charts
4 core charts free, 11 more with Pro — tax analysis, estate planning, Monte Carlo bands, break-even curves, and more.
Coming soon
Life Events Timeline
Salary changes, career breaks, childcare costs, and spending shifts at specific ages.
AI Retirement Advisor
Ask "Should I delay CPP?" and get an answer based on your actual numbers.
Survivor Scenario
One-click "what if I die at age X?" analysis for your spouse's financial picture.
Free gets you the picture.
Pro gets you the strategy.
The free tier is a real retirement calculator — not a teaser. Pro adds the tools that turn a projection into a plan you can act on.
Free
$0 forever
The full projection engine with real tax math, budget tracking, and 15 interactive charts. No account required — your data stays in your browser.
Try Your Numbers — Free✓ Full tax engines (CA + US)
Real federal + provincial/state brackets — not flat estimates
✓ Budget & transaction sync
YNAB, CSV, OFX, and Plaid bank connection
✓ True Cost & Future Value simulator
See how any purchase or savings change shifts your retirement date
✓ CPP/OAS & Social Security
Claiming age optimization with break-even analysis
✓ Cinder Score
0–100 retirement readiness score that updates with every change
✓ Backtest success rate
Test your plan against 124+ real market periods since 1871
✓ 4 interactive charts
Balances, income, spending, withdrawals
✓ 2 scenario comparisons
Side-by-side "what if" variants
✓ Primary residence modeling
Home equity, downsizing, sale timing
✓ Cloud sync (optional)
Save your plan across devices with a free account
Pro
$12/mo
Everything in Free, plus the tools that answer the hard questions:
What's my probability of success? When should I take CPP? Should I melt down my RRSP? What's the optimal combination of every lever I can pull?
✓ Strategy optimizer
Sweeps CPP/SS timing, withdrawal order, meltdown, TFSA, and spousal splits across thousands of combinations
✓ Monte Carlo simulations
1,000+ runs — know your probability of success
✓ 11 additional charts
Tax, estate, Monte Carlo, break-even, contributions, and more
✓ Historical backtesting (full)
Accumulation, retirement, or full lifecycle — 124+ real market periods since 1871
✓ RRSP meltdown / Roth conversion
Bracket-fill strategy modeled year by year
✓ Unlimited scenarios
Test every "what if" without limits
✓ Pension income splitting
Automatic optimal allocation between spouses
✓ Spending strategy comparison
Fixed vs Guyton-Klinger vs VPW across every historical window
✓ Rental income properties
Up to 3 rental properties with income and expenses
✓ SBLOC strategy
Borrow against portfolio to avoid selling in downturns
✓ MCP API access
19 AI tools — connect Claude, ChatGPT, or Cursor to your retirement plan
✓ PDF report export
Share with your spouse or advisor
✓ Per-account return rates
Different returns for different risk profiles