Cinderfi — Retirement Planning

What Cinderfi — Retirement Planning does

Cinderfi — Retirement Planning exposes retirement-planning calculations to AI agents through 19 MCP tools. The service covers both Canada and the United States, including Canadian provincial taxes, US state taxes, CPP, OAS, Social Security, GIS, RRSP, TFSA, 401(k), and IRA considerations.

Its tools support single-person and couples projections, tax calculations, GIS eligibility and clawback analysis, RRSP meltdown and Roth conversion strategies, withdrawal-order optimization, and Monte Carlo analysis. Other tools simulate the effect of purchases or windfalls, compare scenarios, apply personalized retirement insights, and test plans against historical market data from the Shiller series covering 1871–2024.

How it works

An MCP client connects to https://mcp.cinder.fi/mcp. The service supports Streamable HTTP and SSE transports. Requests authenticate with an Authorization: Bearer YOUR_API_KEY header, or through the registration flow described in the service’s auth.md protocol for agents that support it.

The repository also provides a Claude Code plugin and an Agent Skills skill. The Claude Code plugin installs the MCP server alongside a retirement-planning skill that sequences the available tools. Other compatible agents can connect directly using their MCP configuration.

Setup and configuration

Create a free API key at cinder.fi/mcp, then configure the client to use the hosted endpoint and bearer token. For Claude Desktop, the documented setup runs mcp-remote through npx and passes the token in the AUTHORIZATION environment setting.

Claude Code users can add the marketplace and install the plugin with:

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

The repository documents CINDERFI_MCP_KEY as the environment variable for the server’s API key. Agents using the alternative authentication protocol may obtain a credential through a user-approved claim ceremony instead of pasting a key.

Tools and capabilities

The available coverage includes:

• Individual and couples retirement projections
• CPP, OAS, and Social Security timing
• Canadian provincial and US state tax calculations
• GIS qualification and clawback analysis
• RRSP meltdown and Roth conversion planning
• Monte Carlo simulation and withdrawal-order optimization
• Historical backtesting using Shiller data from 1871–2024
• Purchase, windfall, and scenario-comparison simulations
• Personalized retirement insights

Cinderfi — Retirement Planning is suitable when an agent needs structured analysis across retirement income, taxes, government benefits, account conversions, and investment-return assumptions rather than general financial discussion.

Limitations and notes

The free tier permits five calls per day. It includes single-person tools but does not include couples tools, Monte Carlo simulation, the optimizer, historical backtesting, or scenario comparison. The Pro tier removes the daily call limit and includes those additional capabilities.

The material describes the service as planning software and does not state that its results constitute financial, tax, or legal advice. Coverage is limited to the countries, tax jurisdictions, account types, benefits, and simulations listed in the repository documentation. Cinderfi — Retirement Planning requires an API key or supported registration flow; the README does not describe a local calculation mode.