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)

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

Claude Desktop

{
  "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

	Free	Pro
Calls/day	5	Unlimited
Single-person tools	✅	✅
Couples tools	—	✅
Monte Carlo	—	✅
Optimizer	—	✅
Backtest	—	✅
Scenario comparison	—	✅

→ Get API key · Pricing · Interactive planner

Cinderfi

Documentación