cinder.fi: Budget & Retirement

cinder.fi connects your monthly budget to your retirement plan, for Canada and the United States. Every dollar you don't spend shows up in your plan, so you can see how today's choices move your retirement date. Instead of rules of thumb, cinder.fi runs your real numbers through full tax engines, for every Canadian province and territory and all 50 US states, and projects your finances year by year, all the way through retirement. BUDGET AND TRACK SPENDING • A monthly budget that shows how the month is filling up, day by day • Where it went: your spending month by month, by category or by account, with the biggest movers and the charges behind them • Bills on any schedule, followed to their last payment, with a heads-up before a free trial starts charging or when a bill hasn't shown up • Connect your bank securely with Plaid, or import CSV, OFX or YNAB PLAN YOUR RETIREMENT • Year-by-year projections of income, taxes, account drawdowns and estate value • Real federal and provincial/state tax brackets, not estimates • Government benefits modeled directly: CPP, OAS and GIS in Canada; Social Security in the US • RRIF and RMD minimum withdrawals as you age • Life events, from an inheritance to a home purchase, on one timeline KNOW WHERE YOU STAND • Your Cinder Score, a 0 to 100 retirement-readiness rating that updates as your plan changes • Net worth across every account type: RRSP, TFSA, FHSA, RRIF, non-registered, 401(k), IRA, Roth, HSA, taxable and more • Plan together: a partner joins your household and you share one plan GO DEEPER WITH PRO • Ask cinder: an AI assistant that answers questions about your own plan and spending • A strategy optimizer that tests thousands of combinations of benefit timing and withdrawal order • Monte Carlo simulations and historical backtesting back to 1871 • RRSP meltdown and Roth conversion modeling to smooth out lifetime taxes • Unlimited scenarios, side by side • Pension income splitting for Canadian couples • Rental property, home equity and securities-backed lending • PDF report export YOUR DATA, PROTECTED • Sign in with email, Google or Apple • Bank credentials are never stored; bank connections go through Plaid • Your financial data is encrypted and synced privately to your account Whether you're decades from retirement or already drawing down, cinder.fi turns scattered balances, tax rules and benefit decisions into one clear plan you can act on. cinder.fi provides educational projections and planning tools. It is not financial, tax or investment advice. Projections are estimates based on the information and assumptions you provide.