A retirement planner and a budget in one place, built for Canada and the US. Every province, state and account type, and a projection that moves the moment your spending does.
How to read the tags
Most calculators guess a flat tax rate. cinder.fi uses the actual federal and provincial or state brackets in every year, then layers benefits and mandatory withdrawals on top.
Federal tax plus all 13 provinces and territories and all 50 US states. Actual brackets, not a flat rate.
CPP/OAS and QPP, GIS, Social Security, RRIF minimums and RMDs, with claiming ages you can move.
Balances, income, spending and withdrawals charts are free. The tax, estate, break-even and contribution-room charts are Pro.
Free: a 0–100 readiness score and 1 saved what-if scenario, compared side by side with your plan. Pro: unlimited scenarios.
Targets, bank feeds and real spending become inputs to the same projection, so a habit that changes shows up as a retirement date that moves.
Set monthly targets by category, then choose what drives the projection: an estimate, your budget or your actual spending.
Plaid sync is free for 1 account at 1 institution. Pro syncs every account at every institution.
Syncing YNAB is free with a free account. Importing CSV and OFX statements is Pro.
Recurring bills, categorization rules and a 60-day cash-flow forecast are free, with 90 days of history. Pro keeps the full ledger.
The optimizer searches for the lowest lifetime tax. The stress test replays your plan through random markets and real history to see how often it holds.
Tests thousands of combinations of claiming age, withdrawal order, RRSP meltdown or Roth conversions, TFSA use and spousal splits. Free shows what you could save; Pro applies it.
Randomized markets on your plan. Free shows your odds and the middle 80% of outcomes; Pro runs more markets and opens the full distribution, from worst case to best.
Replay your plan through real markets back to 1928. Free shows the success rate; Pro opens every window year by year.
Compare fixed withdrawals with Guyton-Klinger guardrails, variable percentage withdrawal and die-with-zero across history.
Each account is modeled with its own tax rules and rolled into a single net worth that feeds the plan.
RRSP, TFSA, FHSA, RESP and RRIF in Canada. 401(k), IRA, Roth IRA and HSA in the US. Plus taxable, cash and debts.
Balances and holdings roll up automatically. Model your primary residence, downsizing and buy vs rent.
Track room used and left on each registered account for free. The lifetime room charts are Pro.
Up to 3 rental properties, a portfolio line of credit, per-account return rates and a shared household plan.
Ask cinder about your own planPlain-language answers that read your plan, budget and optimizer results, not generic advice.
The iPhone and iPad app is live and free to download, with Face ID lock and the same plan as the web. Android is in the works.
Your bank login goes to Plaid, never to cinder.fi, and your data is never sold.
Answer one question about a spending pattern and every matching transaction is categorized at once, with a rule for the next ones.
Turn a buy-vs-rent or pension-offer comparison into a full scenario, with funding accounts and household taxes.
Shift from stocks to bonds over time, with returns that follow your target allocation each year.
No credit card to start. Move to Pro when you want the optimizer and the full stress test.
Start with your situation