1,800+ plans built · 300+ users

Every dollar shifts your timeline.

Start with You, or choose a situation like yours. I will give a first read, then show how one life event changes the line.

Choose a starting point
Start here

Begin with your numbers, or use a preset.

YouYour planAge 35 / Target 65Model your own story.Start with income, spending, debt, and savings.JoshAge 29 / Target 65Debt-heavy start.Inheritance later tests whether he resets.PriyaAge 35 / Target 45High saver chasing early retirement.A promotion tests whether the raise stays invested.HenriAge 39 / Target 55High earner, high spending.A wedding tests whether income becomes wealth.MaraAge 71 / Retired at 65Retired and generous.Grandson's tuition tests which account pays.Avery & Morgan38 + 39 / Target 67Typical couple, new baby.Childcare squeezes cash flow before it opens up.
Start with your situation

Private by default — your data is never sold.

After the sketch

Plan with your own numbers.

Add your accounts, income and spending. Life events go on the timeline, the optimizer finds the lowest-tax strategy, and the stress test runs your plan through 150 years of markets.

Life events

Life events on the timeline

3095
  • Inheritance+$85k
  • Kid's tuition−$60k
  • Retireage 65
Free at 56→Free at 59

Add a child, a career break or an inheritance and the projection updates.

Optimizer

The lowest lifetime tax

Save $74,000lifetime tax · $412k → $338k
CPP start age65 → 70
Withdrawal orderRRSP first → Taxable first
RRSP meltdownOff → Fill to 2nd bracket
Social Security start age67 → 70
Withdrawal order401(k) first → Taxable first
Roth conversionsOff → Fill to 24% bracket
+ 2 more changes

Tests 18,240 combinations of withdrawal order, benefit timing and conversions, then lists each change and what it's worth.

Stress test

Your plan in bad markets

87%of 1,000 runs succeed

Monte Carlo and 150 years of market history show how often your plan lasts.

Budget

Your budget feeds your retirement plan.

Your bank feed, budget plan, and spending habits become inputs to the same projection that models taxes, benefits, withdrawal order, and retirement timing.

Daily spending rhythm

Spending for each day of the month, synced from your bank.

This month → your timeline

Actual spending$5,540
Planned spending$5,860
Saved this month$1,275
Timeline shift11 months sooner

Money you don’t spend this month is added to the plan above, so you can see how it moves your retirement date.

Accounts

Every account, every property — one net worth.

Connect your banks once. cinder syncs balances, holdings, and transactions across every account type — investments, cash, debts, even your home — and rolls them into a single net worth that feeds the plan up top.

Net worth$600,000
Synced via Plaid
  • InvestmentsRRSP · TFSA · Non-registered401(k) · IRA · Taxable$352,000
  • Real estatehome equity$240,000
  • Cashchecking · savings$24,000
  • Debtscredit card · auto loan−$16,000
Every account type
RRSPTFSAFHSARESP401(k)Roth IRAHSATaxableCheckingSavingsMortgageAuto loan+ more · CA & US

Each account is modeled with its own tax rules.

123 Maple Street
Home value$540,000
Mortgage−$300,000
Equity$240,000
Past to projected

Your history and your projection on one chart.

The chart above starts before today. Your balance history, synced from your accounts, runs up to today, and the projection continues from there on the same axis.

today
What happened — your balance historyWhat's modeled — taxes, benefits, drawdown
The record, decoded
+$61,800market growth, separate from what you put in
You invested $326,000Market moved +$61,800
Top moversVTI +$26kVEQT +$17kVXUS +$11k

Past returns don’t change your projection’s return assumption.

Start with your situation
Pricing

Start with a sketch. Keep going with the real plan.

Free
$0 forever
  • Full projection engine, CA + US
  • Budget + one saved plan
  • Life events on the timeline
  • Bank sync for one institution
Start with your situation
Pro
$12 /mo
  • Strategy optimizer + Monte Carlo
  • Unlimited scenarios & compare
  • Bank sync for all your institutions
Go Pro
Joseph Johansson, founder of cinder.fi
Joseph JohanssonFounder · Calgary, AB

"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."

Guides

How each strategy works.

Each strategy in cinder has a guide that explains the rules, trade-offs and math for Canada and the US.

How much you need to retireHow to work out your number, and what changes it most.Read the guide →TFSA vs RRSPWhich account to fill first, and when to switch.Read the guide →Traditional vs Roth IRAPre-tax now or tax-free later — see both played out.Read the guide →Retirement withdrawal orderWhich accounts to draw down first, and why it matters.Read the guide →When to take CPPAge 60, 65, or 70 — the break-even math.Read the guide →When to take Social Security62 vs 67 vs 70, by the numbers.Read the guide →
Browse all guides →