English Français العربية

Cinderfi — Retirement Planning

Official registry Security

Retirement planning for Canada & US. CPP/OAS, Social Security, RRSP/TFSA, 401k/IRA, Monte Carlo.

Source code Documentation

What can you do with Cinderfi — Retirement Planning?

  • Retirement projections (single + couples)
  • CPP / OAS / Social Security timing
  • Tax calculations (all Canadian provinces + US states)
  • GIS eligibility and clawback analysis
  • RRSP meltdown / Roth conversion strategy
  • Monte Carlo simulation
  • Withdrawal order optimization
  • Historical backtesting (Shiller 1871–2024)

Install

Add this to your client's MCP configuration (Claude Desktop: claude_desktop_config.json; Cursor: .cursor/mcp.json; VS Code and others use the same "mcpServers" shape).

Remote (streamable-http)
Claude Code 
claude mcp add --transport http cinderfi-retirement-planning 'https://mcp.cinderfi.com/mcp' --header 'Authorization: <Bearer token API key. Get one free at https://cinderfi.com/mcp>'
JSON configuration (Claude Desktop, Cursor, VS Code) 
{
    "mcpServers": {
        "cinderfi-retirement-planning": {
            "type": "http",
            "url": "https://mcp.cinderfi.com/mcp",
            "headers": {
                "Authorization": "<Bearer token API key. Get one free at https://cinderfi.com/mcp>"
            }
        }
    }
}

Documentation

From the project's README on GitHub, refreshed weekly. Links open on GitHub.

Contents
  1. cinder.fi MCP
  2. What it does
  3. Claude Code plugin
  4. Get started (any client)
  5. Pricing

cinder.fi MCP

Tax-aware retirement planning for Canada and the US, available as a Claude Code plugin, an Agent Skills skill, and a Model Context Protocol server.

Compatible with Claude Code, Cursor, VS Code Copilot, OpenAI Codex, Gemini CLI, Goose, and any other MCP- or Agent Skills-compatible agent.

What it does

19 tools covering:

  • Retirement projections (single + couples)
  • CPP / OAS / Social Security timing
  • Tax calculations (all Canadian provinces + US states)
  • GIS eligibility and clawback analysis
  • RRSP meltdown / Roth conversion strategy
  • Monte Carlo simulation
  • Withdrawal order optimization
  • Historical backtesting (Shiller 1871–2024)
  • Purchase and windfall impact simulators
  • Scenario comparison
  • Personalized retirement insights

Claude Code plugin

The fastest path in Claude Code — installs the MCP server plus a retirement-planning skill that sequences the tools:

/plugin marketplace add cinderfi/cinderfi-mcp
/plugin install cinderfi@cinderfi

Then set your key so the server authenticates:

export CINDERFI_MCP_KEY=your_api_key   # from https://cinder.fi/mcp

Agents that support the auth.md protocol can also register for their own credential through a user-approved claim ceremony — no pasted key required.

Get started (any client)

  1. Get a free API key at cinder.fi/mcp
  2. Connect your agent to https://mcp.cinder.fi/mcp
Claude Desktop
{
  "mcpServers": {
    "cinderfi": {
      "command": "npx",
      "args": ["-y", "mcp-remote", "https://mcp.cinder.fi/mcp"],
      "env": {
        "AUTHORIZATION": "Bearer YOUR_API_KEY"
      }
    }
  }
}
Any MCP-compatible client
  • Endpoint: https://mcp.cinder.fi/mcp
  • Auth: Authorization: Bearer YOUR_API_KEY (or the auth.md registration flow)
  • Transports: Streamable HTTP, SSE

Pricing

FreePro
Calls/day5Unlimited
Single-person tools✅✅
Couples tools—✅
Monte Carlo—✅
Optimizer—✅
Backtest—✅
Scenario comparison—✅

→ Get API key · Pricing · Interactive planner

Frequently asked questions

What is Cinderfi — Retirement Planning?

Retirement planning for Canada & US. CPP/OAS, Social Security, RRSP/TFSA, 401k/IRA, Monte Carlo.

How do I install Cinderfi — Retirement Planning?

It runs as a remote server. In Claude Code: claude mcp add --transport http cinderfi-retirement-planning 'https://mcp.cinderfi.com/mcp' --header 'Authorization: <Bearer token API key. Get one free at https://cinderfi.com/mcp>'. For other clients, paste the JSON configuration from this page into their MCP settings.

Does Cinderfi — Retirement Planning need an API key?

Yes. It expects Authorization, which you set in its configuration.

Is Cinderfi — Retirement Planning open source?

Its code is public on GitHub, but the repository does not declare a standard license.

Who maintains Cinderfi — Retirement Planning?

It is published by cinderfi. AI.tn lists it but does not maintain or endorse it.

From the official MCP Registry. Listing is not an endorsement: review a server's code and permissions before giving it access to your data.