Free gets you the picture.
Pro gets you the strategy.

Free

$0 forever

The full projection engine with real tax math, budget tracking, and 4 interactive charts. No account required.

• Full tax engines (CA + US)Real federal and provincial/state brackets, not flat estimates
• Budget & transaction syncYNAB sync, and bank sync for one account at one institution (free account)
• CPP/OAS & Social SecurityClaiming age optimization with break-even analysis
• cinder scoreA 0–100 retirement readiness score that updates as you edit
• Backtest success rateTest your plan against real market periods since 1928
• Monte Carlo odds and bandYour odds of success and the range around them, on 500 simulated markets; Pro goes deeper
• 4 interactive chartsBalances, income, spending, withdrawals
• 1 saved scenarioCompare one "what if" side-by-side against your current plan
• Primary residence modelingHome equity, downsizing, sale timing
• Cloud sync (optional)Save your plan across devices with a free account
• Private ModeEncrypted so only you can read it, free on every plan. Includes 20,000 encrypted records (32 MB)

Pro

$8.25/mo

Billed $99 a year. You save $45 (31%) versus monthly.

Everything in Free, plus the tools that answer the hard questions: What does the full range of outcomes look like? When should I take CPP? Should I melt down my RRSP? What's the optimal combination?

The yearly plan starts with a 7-day free trial. Cancel before it ends and you pay nothing.

• Strategy optimizerSweeps CPP/SS timing, withdrawal order, meltdown, TFSA, and spousal splits across thousands of combinations
• Deeper Monte CarloYour own run count and market assumptions, and the full percentiles, not just the odds and band
• 8 additional chartsTax, estate, Monte Carlo, break-even, contributions, and more
• Historical backtesting (full)Accumulation, retirement, or full lifecycle — real market periods since 1928
• RRSP meltdown / Roth conversionBracket-fill strategy modeled year by year
• Unlimited scenariosSave as many "what if" plans as you want
• More encrypted storagePrivate Mode holds 250,000 encrypted records (256 MB) instead of 20,000
• Pension income splittingFinds the best split between spouses
• Spending strategy comparisonFixed vs Guyton-Klinger vs VPW across every historical window
• Rental income propertiesUp to 3 rental properties with income and expenses
• SBLOC strategyBorrow against your portfolio instead of selling in a downturn
• MCP API access100+ tools that read and change your plan, with an undo for every change. Connect Claude, ChatGPT or Cursor
• PDF report exportShare with your spouse or advisor
• Statement file importCSV, OFX and YNAB export files, with duplicate detection
• Per-account return ratesDifferent returns for different risk profiles

Lifetime

$499 once

Every Pro feature for a single payment. 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 go up as cinder.fi grows.