cinderfi

MCP Server

Retirement math,
inside your AI.

19 tools for Claude, Cursor, and any MCP-compatible agent. Ask about CPP timing, run Monte Carlo, or find out what a $70K car costs your retirement.

Get Free API Key View on GitHub ↗

MCP Tool

run_monte_carlo

87%

success rate

1,000 simulations complete. At the 10th percentile you run out at 82. Cutting $400/mo spending pushes success to 91%.

Questions your agent
can finally answer

Real numbers. Real tax math. Not rules of thumb.

Projections

Age 82

Money lasts

Year-by-year retirement projection with real tax math for every province and state.

Monte Carlo

87%

Success rate

Probabilistic outcomes across 1,000 simulations with 10th / 50th / 90th percentile bands.

CPP / SS Timing

+$74K

Delay pays off

CPP breakeven at 74. The right claiming age, calculated against your actual life expectancy.

Setup

Connect in 2 minutes

1

Get your API key

Free tier includes 5 calls/day and all 14 single-person tools. No credit card, no account required.

Get free key →

2

Add to your config

One JSON block into Claude Desktop, Cursor, or any MCP-compatible host. Swap in your key and you're live.

See configs →

3

Ask anything

Your agent now has access to the full Cinder tax engine, projection models, and optimization tools.

View docs →

19 Tools

Everything your agent needs

14 tools free. 5 more with Pro — Monte Carlo, optimizer, backtest, scenarios, and couples projections for every tool.

Projections & Analysis

run_projection Year-by-year retirement projection (single person)
run_full_analysis Projection + score + insights in one call
calculate_score Cinder Score 0–100 retirement readiness
generate_insights Personalized optimization recommendations

Tax & Benefits

calculate_tax Income tax for any province or US state
estimate_benefit CPP/OAS or Social Security with claiming age
calculate_cpp_timing CPP breakeven analysis at every age 60–70
calculate_ss_timing Social Security 62–70 vs full retirement age
calculate_gis GIS eligibility, clawback & provincial supplement
calculate_meltdown RRSP meltdown / Roth conversion strategy

Spending & Impact

simulate_purchase Retirement cost of a one-time or recurring expense
simulate_windfall Optimal allocation for an inheritance or bonus
compare_spending_strategies Fixed / Guyton-Klinger / VPW comparison
map_financial_data Convert YNAB/bank exports to cinder.fi inputs

Pro Tools

PRO
run_monte_carlo Probabilistic success with percentile outcomes
optimize_withdrawal_order Best CPP/SS timing + withdrawal strategy
run_backtest Every historical window since 1871 (Shiller data)
compare_scenarios Side-by-side 1–4 scenario comparison
optimize_pension_split Minimize combined tax via pension income splitting

Pro tools also unlock couples projections across all single-person tools.

Pricing

Simple, transparent

MCP Free

$0 forever

14 single-person tools with full tax engines for Canada and the US. No account required.

Get Free Key

✓ 14 single-person tools

Projections, tax, benefits, spending impact

✓ Full projection engine

Year-by-year, real tax math

✓ Tax engines (CA + US)

All 13 provinces, all 50 states

✓ CPP/OAS & Social Security

Timing analysis & breakeven

— Monte Carlo & optimizer

— Couples tools & backtest

MCP Pro

$5/mo

CA$7/mo · or see yearly below

Everything in Free, plus the tools that answer the hard questions:

What's my Monte Carlo success rate? When should I take CPP? How does my plan hold up against the Great Depression?

Get MCP Pro

✓ 500 calls/day

No daily cap

✓ All 19 tools + couples

Including all Pro-only tools

✓ Monte Carlo simulations

1,000-run probabilistic success rate

✓ Withdrawal optimizer

CPP/SS timing + order + meltdown

✓ Backtest (1871–2024)

Every historical market window

Already a cinder.fi Pro subscriber? MCP access is included with your plan — generate your key below.

Config

Drop it in and you're done

Add to your claude_desktop_config.json:

{
  "mcpServers": {
    "cinderfi": {
      "command": "npx",
      "args": ["-y", "mcp-remote", "https://mcp.cinder.fi/mcp"],
      "env": {
        "AUTHORIZATION": "Bearer YOUR_API_KEY"
      }
    }
  }
}

File location: ~/Library/Application Support/Claude/claude_desktop_config.json (macOS)

Endpoint: https://mcp.cinder.fi/mcp
Auth: Authorization: Bearer <api-key>
Transports: Streamable HTTP, SSE

Full documentation and agent skills: GitHub

Get started

Get your API key

Free tier: 5 calls/day, no credit card required.

Already have a cinder.fi account? Manage your key →

Your AI agent is missing
the math.

Connect cinder.fi and it can answer retirement questions your agent could never handle before.

Get Free API Key