cinder.fi: Budget & Retirement

cinder.fi is a retirement and financial-independence planning app built for both Canada and the United States. Instead of rules of thumb, it runs your real numbers through full tax engines — every Canadian province and territory and all 50 US states — and projects your finances year by year, all the way through retirement.

Start in minutes with a guided setup, then watch your plan come to life:

PLAN YOUR RETIREMENT
• Year-by-year projections of income, taxes, account drawdowns, and estate value
• Real federal and provincial/state tax brackets — not estimates
• Government benefits modeled directly: CPP, OAS, GIS in Canada; Social Security in the US
• RRIF and RMD minimum-withdrawal handling as you age

KNOW WHERE YOU STAND
• Your Cinder Score — a 0 to 100 retirement-readiness rating that updates as you adjust your plan
• Personalized insights and clear what-if tools
• Net-worth tracking across every account type: RRSP, TFSA, FHSA, RRIF, non-registered, 401(k), IRA, Roth, HSA, taxable, and more

BUDGET AND TRACK SPENDING
• Build a monthly budget across spending categories
• Import transactions by CSV, OFX, or YNAB — or connect your bank securely with Plaid
• Flow your actual spending straight into your retirement projection

GO DEEPER WITH PRO
• Strategy optimizer that sweeps thousands of combinations for CPP / Social Security timing and withdrawal order
• Monte Carlo simulations to stress-test your plan against market uncertainty
• Historical backtesting using real market data going back to 1871
• RRSP meltdown and Roth conversion modeling to smooth out lifetime taxes
• Unlimited side-by-side scenario comparison
• Withdrawal-strategy comparison: minimize tax, maximize estate, equalize income
• Pension income splitting for Canadian couples
• Rental property income, home-equity and SBLOC modeling
• PDF report export

YOUR DATA, PROTECTED
• Sign in with email, Google, or Apple
• Bank credentials are never stored — bank connections are handled through Plaid
• Your financial data is encrypted and synced privately to your account

Whether you are decades from retirement or already drawing down, cinder.fi turns scattered account balances, tax rules, and benefit decisions into one clear plan you can act on.

cinder.fi provides educational projections and planning tools. It is not financial, tax, or investment advice. Projections are estimates based on the information and assumptions you provide.