What is Cinderfi?
Cinderfi is a Model Context Protocol server for tax-aware retirement planning covering Canada and the United States. It offers 19 specialized tools for retirement analysis and is designed for use with AI coding agents that support Agent Skills or MCP.
How to use Cinderfi?
Get a free API key at cinderfi.com/mcp, then connect your MCP-compatible client to https://mcp.cinderfi.com/mcp using the Authorization: Bearer YOUR_API_KEY header. Configuration examples for Claude Desktop and OpenClaw are provided in the README. Transports include Streamable HTTP and SSE.
Key features of Cinderfi
- 19 tools for tax-aware retirement projections and optimization
- CPP, OAS, and Social Security timing analysis
- Tax calculations for all Canadian provinces and US states
- Monte Carlo simulation and withdrawal order optimization
- Historical backtesting using Shiller data (1871–2024)
- Scenario comparison and personalized retirement insights
Use cases of Cinderfi
- Plan retirement projections for individuals or couples
- Optimize CPP, OAS, and Social Security claiming strategies
- Evaluate GIS eligibility and clawback impacts
- Compare RRSP meltdown versus Roth conversion strategies
- Simulate the effect of major purchases or windfalls on retirement
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