Cinderfi — Retirement Planning

com.cinderfiPublished by cinderfi.comOfficial publisherv1.0.1Updated Oct 24, 2026

Retirement planning for Canada & US. CPP/OAS, Social Security, RRSP/TFSA, 401k/IRA, Monte Carlo.

VerifiedStreamable HTTPWeb executableFinanceData & Analytics

Overview

AI-generated overview

A remote MCP server for tax-aware Canada and US retirement planning, covering CPP/OAS, Social Security, RRSP/TFSA and 401k/IRA projections.

What you can do
Run retirement projections for individuals and couples, including Monte Carlo simulation and historical backtesting from 1871 to 2024. Model government benefit timing for CPP, OAS and Social Security, plus GIS eligibility and clawback. Calculate taxes across Canadian provinces and US states. Explore RRSP meltdown, Roth conversion and withdrawal order strategies. Compare scenarios and simulate purchases or windfalls, with personalized retirement insights.
When to use it
Useful when someone wants an assistant to model Canadian or US retirement income, benefit timing, taxes and withdrawal strategies, or to compare planning scenarios without building the calculations by hand.
Requirements
A remote endpoint at mcp.cinderfi.com over Streamable HTTP or SSE. A bearer API key is required in the Authorization header; a free key is obtained from the provider's site. Some clients can register their own credential through an auth.md claim flow instead of a pasted key.
Before you install
The API key is a secret sent in the Authorization header; keep it out of shared configuration. The free tier allows 5 calls per day, and couples tools, Monte Carlo, optimizer, backtest and scenario comparison are Pro-only, so heavier use means a paid plan. Planning inputs and results are sent to the provider's service.

Installation

In SourceWeft

  1. Open Cinderfi — Retirement Planning in the dashboard and add it to a workspace.
  2. Connect Authorization token credentials. They are stored privately and never shown on public pages.
  3. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/com.cinderfi%2Fretirement-planning/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

{
  "mcpServers": {
    "cinderfi-retirement-planning": {
      "type": "http",
      "url": "https://mcp.cinderfi.com/mcp",
      "headers": {
        "Authorization": "Bearer <YOUR_TOKEN>"
      }
    }
  }
}

README

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)

  1. Get a free API key at cinder.fi/mcp
  2. Connect your agent to https://mcp.cinder.fi/mcp

Claude Desktop

json
{  "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

FreePro
Calls/day5Unlimited
Single-person tools✅✅
Couples tools—✅
Monte Carlo—✅
Optimizer—✅
Backtest—✅
Scenario comparison—✅

→ Get API key · Pricing · Interactive planner

Source: README.md at commit 92b3822

Tools

0
This server asks for a credential such as an API key, so SourceWeft could not read its tools without one and has not indexed them.

Version history

1
  1. v1.0.1LatestSep 16, 2026

Score

50% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 daysRequired25 pts

    Keep the endpoint answering the MCP handshake; SourceWeft probes it every 30 days.

  • Auth declaredRequired10 pts
  • Tools listed15 pts

    Answer tools/list without a credential, or ship a package that starts in a sandbox without one.

  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts
  • License10 pts

    Declare a license in the repository or the registry entry.