Cinder
AutomatedRetirement planner with tax engines, budget tracking, Monte Carlo simulations, and an MCP API for AI agents.
Cinder has 5 plans: a free plan and paid plans from $5/month. We have not recorded a price change.
Cinder plans and prices
Retirement Planner Free
$0
- 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
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- Primary residence modeling — Home equity, downsizing, sale timing
- Cloud sync (optional) — Save your plan across devices with a free account
Pro
monthly$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
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- 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
$0
- 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
- 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 10 recorded 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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