# Cinderfi — Retirement Planning

Model retirement plans for Canada and the US, including tax scenarios and benefit timing. The server needs a Cinderfi API key to authenticate.

- MCP server · `type=mcp` · Claude Code, Codex, Cursor, GitHub Copilot, Windsurf (Devin Desktop), Cline, Zed, Gemini CLI · ★ 2
- Author: cinderfi
- License: not stated · policy=link-only · description only; the file stays with the author
- Source: https://github.com/cinderfi/cinderfi-mcp
- Updated: 2026-07-16
- HTML: https://affpapa.org/en/nevibecode/mcp/cinderfi-retirement-planning

## What it does

Cinderfi calculates retirement projections for individuals and couples, estimates taxes across Canadian provinces and US states, and helps compare benefit start dates for CPP/OAS and Social Security. Its tools also cover GIS eligibility, RRSP meltdown and Roth conversion strategies, withdrawal order, historical backtesting, and Monte Carlo simulations. Pro is required for couple calculations, Monte Carlo, the optimizer, and backtesting.

Connect the MCP server to Claude Code, Codex, Cursor, GitHub Copilot, or another supported client. Authentication requires an API key; in Claude Code, set it as `CINDERFI_MCP_KEY`. Without that credential, the server cannot authenticate. The free plan allows five calls per day and includes single-person tools, while several advanced tools are reserved for Pro.

## Requirements
- Remote server: `https://mcp.cinderfi.com/mcp`

## Install

### Claude Code (native platform)

**Platform CLI: remote server**
```bash
claude mcp add --transport http cinderfi-retirement-planning https://mcp.cinderfi.com/mcp
```

### Codex

**Platform CLI: remote server**
```bash
codex mcp add cinderfi-retirement-planning --url https://mcp.cinderfi.com/mcp
```

### Cursor

**Config file**
File `.cursor/mcp.json`:
```json
{
    "mcpServers": {
        "cinderfi-retirement-planning": {
            "url": "https://mcp.cinderfi.com/mcp"
        }
    }
}
```

### GitHub Copilot

**Config file**
File `.vscode/mcp.json`:
```json
{
    "servers": {
        "cinderfi-retirement-planning": {
            "type": "http",
            "url": "https://mcp.cinderfi.com/mcp"
        }
    }
}
```

### Gemini CLI

**Platform CLI: remote server**
```bash
gemini mcp add -t http cinderfi-retirement-planning https://mcp.cinderfi.com/mcp
```

## When to use it
- estimate retirement income for an individual or couple
- compare CPP/OAS or Social Security start dates
- calculate taxes across Canadian provinces or US states
- check GIS eligibility and potential clawbacks
- compare withdrawal strategies or RRSP and Roth scenarios

## Example prompts
- Estimate my Canadian retirement plan with CPP, OAS, and provincial taxes.
- Compare retirement scenarios for us as a couple, including Monte Carlo results.
- Check my GIS eligibility and compare different withdrawal orders.

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