# cinder.fi MCP

Tax-aware retirement planning for Canada and the US, available as a [Claude Code plugin](#claude-code-plugin), an [Agent Skills](https://agentskills.io) skill, and a [Model Context Protocol](https://modelcontextprotocol.io/) server.

Compatible with Claude Code, Cursor, VS Code Copilot, OpenAI Codex, Gemini CLI, Goose, and any other MCP- or [Agent Skills-compatible](https://agentskills.io/clients) 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](https://cinder.fi/auth.md) protocol can also
register for their own credential through a user-approved claim ceremony — no
pasted key required.

## Get started (any client)

1. Get a free API key at **[cinder.fi/mcp](https://cinder.fi/mcp)**
2. Connect your agent to `https://mcp.cinder.fi/mcp`

### Claude Desktop

```json
{
  "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](https://cinder.fi/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](https://cinder.fi/mcp) · [Pricing](https://cinder.fi/pricing) · [Interactive planner](https://cinder.fi)