Cinderfi

Tax-aware retirement planning for Canada and the US — CPP/OAS, Social Security, RRSP/TFSA/401k/IRA, Monte Carlo, withdrawal optimization.

GitHub

Cinderfi MCP — Agent Skills

Tax-aware retirement planning for Canada and the US, available as an Agent Skills skill and Model Context Protocol server.

Compatible with Claude Code, OpenClaw, Cursor, VS Code Copilot, OpenAI Codex, Gemini CLI, Goose, and any other 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

Get started

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

Claude Desktop

{
  "mcpServers": {
    "cinderfi": {
      "command": "npx",
      "args": ["-y", "mcp-remote", "https://mcp.cinderfi.com/mcp"],
      "env": {
        "AUTHORIZATION": "Bearer YOUR_API_KEY"
      }
    }
  }
}

OpenClaw

{
  "mcp": {
    "servers": {
      "cinderfi": {
        "url": "https://mcp.cinderfi.com/mcp",
        "headers": {
          "Authorization": "Bearer YOUR_API_KEY"
        }
      }
    }
  }
}

Or via CLI:

openclaw mcp set cinderfi '{"url":"https://mcp.cinderfi.com/mcp","headers":{"Authorization":"Bearer YOUR_API_KEY"}}'

Any MCP-compatible client

  • Endpoint: https://mcp.cinderfi.com/mcp
  • Auth: Authorization: Bearer YOUR_API_KEY
  • 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

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