One place to budget, plan, and know exactly when you'll retire.
Financially free at
56
9 years ahead of schedule
Your Income
Your Savings
Your Spending
Age 35 · Retire at 65 · Canada
Updates as you move the sliders above ↑
What changes when everything connects
A new baby, a $640 dining-out month, an optimal withdrawal order — they all bend the same line. Stop juggling three apps to see the consequence.
Life events · model the change
Baby on the way
Q3 2027
+3 years · the whole plan recalculates
Model the events that shape a life — kids, career breaks, downsizing, inheritance, retirement itself — and watch every account, tax bracket, and goal rebuild around them.
Causality · last 90 days
Dining out · 3-mo average
$640 / mo
vs. $310 / mo budget
+11 months if this pattern becomes your new normal
We don't just show you the overspend — we show you what it costs if it sticks. Connect your accounts and your budgeting app finally talks to your retirement plan.
Optimizer · lifetime portfolio
+$183K in lifetime tax savings · Pro feature
Sweeps CPP timing, withdrawal sequence, RRSP meltdown brackets, and spousal splits to find the lifetime tax optimum — and tells you the dollar value of switching.
Tracked → projected
Connect an account and cinder.fi plots your actual net worth, then carries the same line into the future. Solid is what happened; dashed is where your plan takes you — one continuous line no other tool bothers to draw.
Net worth · tracked + projected
$487,200 today
No credit card. Start with sliders, connect one account when you're ready.
vs. the alternatives
Most planners get one column of this table right. We're trying to get all of them — and the one nobody else even attempts to headline.
| YNAB No free tier $109/yr | Boldin 14-day trial $120/yr | ProjectionLab Free tier from $108/yr | Empower Free ad-supported | cinder.fi $0 free $144/yr Pro | |
|---|---|---|---|---|---|
| Track real spending from your bank | ✓ US direct import | — | — | ✓ | ✓ |
| Project retirement (Monte Carlo, tax, withdrawals) | — | ✓ | ✓ | ✓ | ✓ |
| Provincial / state tax brackets | — | ◐ US only | ◐ paid tier | ◐ US only | ✓ CA + US, free |
| Strategy optimizer (CPP/SS, withdrawal order, meltdown) | — | ◐ | ◐ | — | ✓ |
| Life events that bend your projection Kid, raise, career break, sabbatical — modeled as events with full plan rebuild. | — | ◐ as scenarios | ✓ | — | ✓ |
| Actuals connect to projection Other tools project, then track. Only one headlines the line between them. | — | — | — | ◐ separate views | ✓ the wedge |
| Canada-first (RRSP, TFSA, CPP, OAS, GIS) | — | — | ◐ limited | — | ✓ |
Track real spending from your bank
Project retirement (Monte Carlo, tax, withdrawals)
Provincial / state tax brackets
Strategy optimizer (CPP/SS, withdrawal order, meltdown)
Life events that bend your projection
Kid, raise, career break, sabbatical — modeled as events with full plan rebuild.
Actuals connect to projection
Other tools project, then track. Only one headlines the line between them.
Canada-first (RRSP, TFSA, CPP, OAS, GIS)
Comparison reflects publicly listed features at time of writing. Competitor capabilities change — check their site for current details.
Everything connects. Your budget feeds your projection. Your projection informs your tax strategy. Every change ripples through the whole plan.
Connect YNAB, import CSV/OFX, or link your accounts with Plaid — free plan includes one connection. Every transaction shifts your retirement date in real time.
Sweeps CPP/SS timing, withdrawal order, meltdown brackets, and spousal splits to find the combination that minimizes your lifetime tax.
A 0–100 readiness score that updates with every change. See exactly how any purchase or savings decision shifts your retirement date.
Federal + provincial/state brackets for all 13 Canadian provinces and 50 US states. Not estimates — real math.
Test your plan against every market period since 1871. Accumulation, retirement, or full lifecycle.
Free
$0forever
Pro
$12/mo
I built cinder.fi because I was tired of budgeting in one app and guessing about retirement in another. One tool that shows exactly what a kid, a raise, or a career move does to your timeline — with real tax math, not estimates.