Cinder
AutomatedRetirement planner with tax engines, budget tracking, Monte Carlo simulations, and an MCP API for AI agents.
Active plans
5
Total changes
11
Last change
Jul 29, 2026
Price trend
no history
What we know about Cinder’s pricing
VolatileChanges in 12 months
41
Cadence
Every 1 days
Direction
New plan recently added
Category position
Cheaper than 88% of AI & ML tools (2268 compared)
Current pricing
Retirement Planner Free
monthlyFree
- Full tax engines (CA + US)
- Budget & transaction sync(YNAB, CSV, OFX, and Plaid account connection)
- True Cost & Future Value simulator
- CPP/OAS & Social Security(Claiming age optimization with break-even analysis)
- Cinder Score(0–100 retirement readiness score)
- Backtest success rate(Test your plan against real market periods since 1871)
- 4 interactive charts(Balances, income, spending, withdrawals)
- 1 saved scenario(Compare one 'what if' side-by-side against your current plan)
- Primary residence modeling(Home equity, downsizing, sale timing)
- Cloud sync (optional)(Save your plan across devices with a free account)
Pro
monthly$12/mo
$12/mo
- yearly$8.25/mobilled annually ($99/yr)
- Strategy optimizer
- Monte Carlo simulations(1,000+ runs — know your probability of success)
- 11 additional charts(Tax, estate, Monte Carlo, break-even, contributions, and more)
- Historical backtesting (full)(Accumulation, retirement, or full lifecycle — real market periods since 1871)
- RRSP meltdown / Roth conversion(Bracket-fill strategy modeled year by year)
- Unlimited scenarios
- Pension income splitting(Automatic optimal allocation between spouses)
- Spending strategy comparison(Fixed vs Guyton-Klinger vs VPW across every historical window)
- Rental income properties(Up to 3 rental properties with income and expenses)
- SBLOC strategy(Borrow against portfolio to avoid selling in downturns)
- MCP API access(19 AI tools — connect Claude, ChatGPT, or Cursor to your retirement plan)
- PDF report export(Share with your spouse or advisor)
- Per-account return rates(Different returns for different risk profiles)
MCP Free
usage basedFree
- usage based$0($0 / 5 calls per day)
- monthly$0/mo($0 / 5 calls per day)
- 14 single-person tools
- Full projection engine
- Tax engines (CA + US)
- CPP/OAS & Social Security
- Cinder Score & insights
- 5 API calls / day
MCP Pro
monthly$5/mo
$5/mo
- yearly$3.25/mobilled annually ($39/yr)
- 500 API calls/day
- All 19 tools
- Couples projections
- Monte Carlo simulations
- Withdrawal optimizer
- Backtest (1871-2024)
- Scenario comparison
Lifetime
one time$499
$499 once
- Every Pro feature(forever)
- MCP Pro included
- 10 full optimizer runs / month
- AI available as a $5/mo add-on
Price history
Last 11 changes
| Date | Plan | Change | Old | New | Δ% |
|---|---|---|---|---|---|
| Jul 29, 2026 | Lifetime | new plan | — | $499 | — |
| Jun 20, 2026 | MCP Pro | new plan | — | $5 | — |
| Jun 20, 2026 | MCP Free | new plan | — | $0 | — |
| Jun 20, 2026 | Pro | new plan | — | $12 | — |
| Jun 20, 2026 | Retirement Planner Free | new plan | — | $0 | — |
| Jun 20, 2026 | MCP Pro | new plan | — | $5 | — |
| Jun 20, 2026 | MCP Free | new plan | — | $0 | — |
| Jun 20, 2026 | Pro | new plan | — | $12 | — |
| Jun 20, 2026 | Retirement Planner Free | new plan | — | $0 | — |
| Jun 20, 2026 | MCP Pro | new plan | — | $5 | — |
Showing the most recent 10 changes. Full history back to 2023 is available through the developer API.
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