Cinder

$12/mo

• Strategy optimizer
• Monte Carlo simulations (1,000+ runs)
• 11 additional charts
• Historical backtesting (full)
• RRSP meltdown / Roth conversion
• Unlimited scenarios
• Pension income splitting
• Spending strategy comparison
• Rental income properties (up to 3)
• SBLOC strategy
• MCP API access (19 AI tools)
• PDF report export

• 14 single-person tools
• Full projection engine
• Tax engines (CA + US)
• CPP/OAS & Social Security
• Cinder Score & insights
• 5 API calls / day

$5/mo

• yearly$39/yr($39/yr)

• 500 API calls/day
• All 19 tools
• Couples projections
• Monte Carlo simulations
• Withdrawal optimizer
• Backtest (1871-2024)
• Scenario comparison

$499 once

• Every Pro feature, forever(Yes)
• 10 full optimizer runs/month(Yes)
• AI available as a $5/mo add-on(Yes)