Start here
Begin with your numbers, or use a preset.
1,800+ plans built · 200+ users 
Choose a starting point Start with your situation
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.
Private by default — your data is never sold.
After the sketch
Not a calculator. A planner.
Hand it your real numbers and watch it plan, not guess — a whole life of events mapped on the timeline, the lowest-tax strategy found for you, and a stress test against 150 years of markets.
Life events
A whole life, mapped.
30 95
- Inheritance+$85k
- Kid's tuition−$60k
- Retireage 65
Free at 56→Free at 59
A child, a break, an inheritance — the whole line rebuilds around each one.
Optimizer
Lowest lifetime tax, found for you.
Save $74,000lifetime tax · $412k → $338k
CPP start age65 → 70
Withdrawal orderRRSP first → Taxable first
RRSP meltdownOff → Fill to 2nd bracket
+ 2 more changes
18,240 strategies swept — then the exact moves and what they're worth.
Stress test
Does it survive a bad decade?
87%of 1,000 runs succeed
Monte Carlo + 150 years of real market history — before it happens to you.
One engine, not two apps
The short-term budget is the 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
The shape of your month, one day at a time — synced from your bank.
1 $1.9k
2 $42
3 $88
4 $164
5 $92
6 $28
7
8 $54
9 $37
10 $71
11 $198
12 $83
13 $31
14
15 $126
16 $44
17 $69
18 $232
19 $97
20 $35
21 $22
22 $58
23
24 $134
25 $178
26 $88
27 $41
28 $29
29 $63
30 $47
This month → your timeline
Actual spending$5,540
Planned spending$5,860
Saved this month$1,275
Timeline shift11 months sooner
Every dollar you keep this month becomes years of runway in the plan up top — no second app, nothing re-entered.
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-registered$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 one modeled to its own tax rules — not just a balance in a list.
123 Maple Street
Home value$540,000
Mortgage−$300,000
Equity$240,000
Past to projected
Most tools start the line at today. Yours doesn't.
You've already seen it — the chart up top starts before today. I connect what actually happened, your real balance history synced from your accounts, to what's modeled next. Same axis. One continuous line. The seam is where your past hands off to your plan.
today
What happened — your balance history What's modeled — taxes, benefits, drawdown
The record, decoded
+$61,800 the market's lift — separated from what you put in
You invested $326,000 Market moved +$61,800
Top movers VTI +$26kVEQT +$17kVXUS +$11k
Evidence, not a forecast — one hot year never silently rewrites your projection.
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
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."
Learn the concepts
Know the why behind every move.
Every strategy in cinder has a plain-language guide behind it — the rules, the trade-offs, and the math, for both Canada and the US.
How much you need to retire The real number — and the levers that actually move it. Read the guide → TFSA vs RRSP Which account to fill first, and when to switch. Read the guide → Traditional vs Roth IRA Pre-tax now or tax-free later — see both played out. Read the guide → Retirement withdrawal order Which accounts to draw down first, and why it matters. Read the guide → When to take CPP Age 60, 65, or 70 — the break-even math. Read the guide → When to take Social Security 62 vs 67 vs 70, by the numbers. Read the guide →
Browse all guides →