Free gets you the picture.
Pro gets you the strategy.
The free plan is a real retirement planner — not a teaser. Pro adds the advanced tools that turn a projection into a plan you can act on.
Retirement Planner
Free
$0 forever
The full projection engine with real tax math, budget tracking, and 4 interactive charts. No account required.
Get Started Free✓ Full tax engines (CA + US)
Real federal + provincial/state brackets — not flat estimates
✓ Budget & transaction sync
YNAB, CSV, OFX, and Plaid account connection
✓ True Cost & Future Value simulator
See how any purchase or savings change shifts your retirement date
✓ CPP/OAS & Social Security
Claiming age optimization with break-even analysis
✓ Cinder Score
0–100 retirement readiness score that updates with every change
✓ Backtest success rate
Test your plan against real market periods since 1871
✓ 4 interactive charts
Balances, income, spending, withdrawals
✓ 1 saved scenario
Compare one "what if" side-by-side against your current plan
✓ Primary residence modeling
Home equity, downsizing, sale timing
✓ Cloud sync (optional)
Save your plan across devices with a free account
Pro
$12/mo
Everything in Free, plus the tools that answer the hard questions:
What's my probability of success? When should I take CPP? Should I melt down my RRSP? What's the optimal combination?
✓ Strategy optimizer
Sweeps CPP/SS timing, withdrawal order, meltdown, TFSA, and spousal splits across thousands of combinations
✓ Monte Carlo simulations
1,000+ runs — know your probability of success
✓ 11 additional charts
Tax, estate, Monte Carlo, break-even, contributions, and more
✓ Historical backtesting (full)
Accumulation, retirement, or full lifecycle — real market periods since 1871
✓ RRSP meltdown / Roth conversion
Bracket-fill strategy modeled year by year
✓ Unlimited scenarios
Test every "what if" without limits
✓ Pension income splitting
Automatic optimal allocation between spouses
✓ Spending strategy comparison
Fixed vs Guyton-Klinger vs VPW across every historical window
✓ Rental income properties
Up to 3 rental properties with income and expenses
✓ SBLOC strategy
Borrow against portfolio to avoid selling in downturns
✓ MCP API access
19 AI tools — connect Claude, ChatGPT, or Cursor to your retirement plan
✓ PDF report export
Share with your spouse or advisor
✓ Per-account return rates
Different returns for different risk profiles
Lifetime
Every Pro feature, one payment, yours forever. AI features are available as a small add-on subscription, and the optimizer includes 10 full runs a month.
✓ Every Pro feature, forever
✓ MCP Pro included
✓ 10 full optimizer runs / month
✓ AI available as a $5/mo add-on
Early price — it will rise as cinder.fi grows.
$499 once
Get LifetimeMCP API
Give your AI agent retirement planning superpowers
19 tools for Claude, ChatGPT, Cursor, and any MCP-compatible agent. Projections, tax engines, Monte Carlo, and more.
MCP Free
$0 / 5 calls per day
✓ 14 single-person tools
✓ Full projection engine
✓ Tax engines (CA + US)
✓ CPP/OAS & Social Security
✓ Cinder Score & insights
✓ 5 API calls / day
— Couples tools
— Monte Carlo & optimizer
MCP Pro
$5/mo
or $39/yr (save 35%)
✓ 500 API calls/day
✓ All 19 tools
✓ Couples projections
✓ Monte Carlo simulations
✓ Withdrawal optimizer
✓ Backtest (1871–2024)
✓ Scenario comparison
Included free with cinder.fi Pro
Already a cinder.fi Pro subscriber? Your plan includes full MCP Pro access at no extra cost — just generate an API key from the MCP page.
› Is the free plan really free forever?
Yes. The core retirement planner with full tax engines, budget tracking, and 4 interactive charts is completely free with no time limit. We believe everyone deserves access to quality retirement planning tools.
› What payment methods do you accept?
We accept all major credit cards through Stripe. Your payment information is never stored on our servers.
› Can I cancel anytime?
Yes. You can cancel before your next renewal and keep Pro features until the end of your billing period.
› Do I need to create an account?
No. The free plan works entirely in your browser with no account required. Creating an account (free) enables cloud sync, and upgrading to Pro unlocks advanced features.
› What does the Lifetime plan include?
Every Pro feature, forever — including MCP Pro. AI features are a small optional add-on subscription, since they run on ongoing compute, and the optimizer includes 10 full runs a month (a Pro subscription includes unlimited runs).
› Is Lifetime really one payment?
Yes. $499 once, no renewals, no subscription. It's an early price that will rise as cinder.fi grows — buying now locks it in.
› Can I add AI to a Lifetime plan?
Yes. The AI add-on is $5/month or $49/year, offered only to Lifetime members, and you can cancel it anytime.
› Does Pro include MCP access?
Yes. cinder.fi Pro subscribers get full MCP Pro access at no extra cost. MCP Pro is also available as a standalone subscription for users who only need the API.
› What is MCP?
MCP (Model Context Protocol) lets AI agents like Claude, ChatGPT, and Cursor connect to cinder.fi's 19 retirement planning tools. Ask your AI to run projections, optimize withdrawal strategies, or stress-test your plan — using your real numbers.