Summary
Connects Claude and other MCP clients to Cinderfi's retirement planning engine with 19 tools covering Canada and US scenarios. You get CPP, OAS, and Social Security timing tools, provincial and state tax calculations, RRSP meltdown and Roth conversion strategizing, and Monte Carlo simulations for portfolio longevity. It handles couples planning, withdrawal order optimization, and historical backtesting against Shiller data back to 1871. Runs over streamable HTTP at mcp.cinderfi.com with bearer token auth. Free tier gives you 5 calls per day on single-person tools. Pro unlocks couples scenarios, the optimizer, and backtesting. Useful when you need tax-aware projections that account for clawbacks and cross-border retirement nuances.
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one prompt install →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)
- Get a free API key at cinder.fi/mcp
- 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
| Free | Pro | |
|---|---|---|
| Calls/day | 5 | Unlimited |
| Single-person tools | ✅ | ✅ |
| Couples tools | — | ✅ |
| Monte Carlo | — | ✅ |
| Optimizer | — | ✅ |
| Backtest | — | ✅ |
| Scenario comparison | — | ✅ |
Featured
Plug Mailtrap into your AI workflow and let it handle the email.
Connect Mailtrap MCP →Agent, run crypto. Access onchain data & trade routes via 1inch.
Install now →Make coding agent sessions - Searchable, Shareable, Vendor-neutral & Scored.
Try For Free →Your agent targets a perfect 10 Code Health score. Deterministic. Every commit.
Try For Free →Integrate web data into your AI product. One API to scrape website & brand data.
Get API Key Now →belt cli automatically finds the best tools and skills for your agent. image, video, music, tts...
one prompt install →Registryactive
TransportHTTP
AuthRequired
UpdatedApr 14, 2026
