cinder.fi — Every dollar shifts your timeline

# cinder.fi > Retirement planning and budgeting for Canada and the US. Real federal + provincial/state tax math for all 13 Canadian provinces and 50 US states, Monte Carlo simulation, CPP/OAS/GIS and Social Security benefit modeling, withdrawal-order and Roth-conversion / RRSP-meltdown optimization, and budget + transaction sync. cinder.fi is a free-to-start web app (Pro tier $12/mo). The guides and calculators below answer specific Canadian and US retirement questions with concrete numbers. cinder.fi also exposes its 19 calculation engines to AI agents over the Model Context Protocol — see "AI agent access" at the end. ## Calculators - [CPP Benefit Calculator: Estimate Your Canada Pension Plan Income](https://cinder.fi/calculators/cpp-benefit-calculator/): Calculate your CPP benefit at any claiming age. Understand how contributory period, drop-out provisions, CPP2, and early vs late claiming affect your Canada Pension Plan income. - [FIRE Calculator — Financial Independence Planner](https://cinder.fi/calculators/fire-calculator/): Calculate your financial independence number with real tax calculations, not just the 25x rule. Full FIRE planning for Canada and the US with Monte Carlo stress testing. - [Free Retirement Calculator for Canada](https://cinder.fi/calculators/retirement-calculator-canada/): Plan your Canadian retirement with full RRSP, TFSA, CPP, OAS, and GIS calculations. Monte Carlo simulations and province-specific tax engines for all 13 provinces and territories. - [Free Retirement Calculator for the US](https://cinder.fi/calculators/retirement-calculator-usa/): Plan your retirement with full Social Security, Traditional IRA, Roth IRA, 401(k), and HSA calculations. State-specific tax engines for all 50 states. - [RESP Calculator: CESG Grant & Education Savings Projection](https://cinder.fi/calculators/resp-calculator/): Calculate your CESG grant for this year, project total government grants, and see your RESP balance when your child turns 18.