Is the Cinderfi — Retirement Planning MCP server free to use?

Yes. Cinderfi — Retirement Planning is listed on AllMCPs as a free, open Model Context Protocol server you can install into Claude Desktop, Cursor, or any MCP-compatible client.

Is the Cinderfi — Retirement Planning MCP server free to use?

Yes. Cinderfi — Retirement Planning is listed on AllMCPs as a free, open Model Context Protocol server you can install into Claude Desktop, Cursor, or any MCP-compatible client.

Cinderfi — Retirement Planning

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

Quick Install

Automated & IDE Setup

Copy the AI prompt to install this server into Claude Code, Cursor, or another agent — or use 1-click editor setup below.

Add to Cursor Add to VS Code

Not yet automatically verified

We haven't yet run this listing's install command through our automated sandbox check. This isn't a red flag — we're steadily working through the catalog.

Manual Client & Custom JSON ConfigExpand JSON ▾

Install Config Generator

Choose your client

claude_desktop_config.json

{
  "mcpServers": {
    "cinderfi-retirement-planning-2": {
      "command": "npx",
      "args": [
        "-y",
        "mcp-remote",
        "https://mcp.cinder.fi/mcp"
      ]
    }
  }
}

💡 Paste into ~/Library/Application Support/Claude/claude_desktop_config.json (macOS) or %APPDATA%\Claude\claude_desktop_config.json (Windows)

Documentation Overview

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:

Code

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

Then set your key so the server authenticates:

server.ts

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)

Get a free API key at cinder.fi/mcp
Connect your agent to https://mcp.cinder.fi/mcp

Claude Desktop

config.json

{
  "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

	Free	Pro
Calls/day	5	Unlimited
Single-person tools	✅	✅
Couples tools	—	✅
Monte Carlo	—	✅
Optimizer	—	✅
Backtest	—	✅
Scenario comparison	—	✅

→ Get API key · Pricing · Interactive planner

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Frequently Asked Questions about Cinderfi — Retirement Planning

Add the following block to your claude_desktop_config.json under mcpServers: "mcpServers": { "cinderfi-retirement-planning": { "command": "npx", "args": ["-y", "Cinderfi — Retirement Planning"] } }

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Technical Specs & Signals

CategorySecurity

5/5 checks healthy over the last 7h

41Quality signal: Fair · 41/100How this signal is calculated ▾

Server availabilityNot measured

Not scored for repo-hosted servers — we can't reach the running server, only its GitHub page. Hosted MCP endpoints are health-checked live.

Verified ownership10/20

Documentation & tools16/30

Adoption & activity5/15

Community engagement0/10

A guidance signal from public completeness & health data — not a user rating. New listings start lower and rise as they add docs, get verified, and grow adoption. Signals we can't observe for a listing are skipped, not counted against it.

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