Cinderfi

by cinderfi

250 downloads

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GitHub

About

Tax-aware retirement planning for Canada and the US. CPP/OAS and Social Security timing, RRSP/TFSA/401k/IRA projections, Monte Carlo simulation, withdrawal order optimization, and historical backtesting against 150 years of market data. 19 tools. Free and Pro tiers.

Details

Author: cinderfi
Downloads: 250
Categories: Other, Finance

- 19 tools for tax-aware retirement projections and optimization
- CPP, OAS, and Social Security timing analysis
- Tax calculations for all Canadian provinces and US states
- Monte Carlo simulation and withdrawal order optimization
- Historical backtesting using Shiller data (1871–2024)
- Scenario comparison and personalized retirement insights

Setting up with Highlight

This MCP is not yet compatible with Highlight’s one-click setup. However, you can still use it with Highlight by following these steps:

Download and install Highlight from highlightai.com/download
Navigate to the plugins tab and select "Add Custom Plugin"
Configure the plugin with the settings below

Plugin Name Cinderfi

Command (node, npx, python, etc.)

Please refer to the README for specific instructions on how to obtain API keys or other required environment variables.
Enable "Start Automatically" if you want the plugin to start when Highlight launches

Setting up with Cursor

Open Cursor's settings
Navigate to the MCP section
Click "Add new Global MCP server"
Copy and paste the configuration below based on your operating system

JSON

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

JSON

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

JSON

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

Setting up with Claude Desktop

Open Claude Desktop's settings
Go to the Integrations tab
Click "Add MCP Server"
Use the configuration below based on your operating system

Note: Make sure Claude Desktop is running before attempting to connect.

JSON

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

JSON

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

JSON

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

Setting up with Windsurf

Open Windsurf's preferences
Go to the Integrations section
Click "Add MCP Integration"
Use the configuration below based on your operating system

JSON

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

JSON

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

JSON

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

Setting up with Cline

Open Cline's settings
Navigate to the Integrations section
Click "Add MCP Server"
Copy and paste the configuration below based on your operating system

Note: Make sure to restart Cline after adding the configuration.

JSON

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

JSON

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

JSON

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

Setting up with Goose

Open Goose's preferences
Go to the Integrations tab
Select "MCP Servers"
Click "Add New Server"
Use the configuration below based on your operating system

JSON

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

JSON

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

JSON

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

From the repository

Get a free API key at cinderfi.com/mcp, then connect your MCP-compatible client to https://mcp.cinderfi.com/mcp using the Authorization: Bearer YOUR_API_KEY header. Configuration examples for Claude Desktop and OpenClaw are provided in the README. Transports include Streamable HTTP and SSE.

Claude Desktop / Cursor

Paste into your MCP client config file to install this server.

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

McpServers

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

Tax-aware retirement planning for Canada and the US, available as aClaude Code plugin, an Agent Skillsskill, and a Model Context Protocolserver.

Compatible with Claude Code, Cursor, VS Code Copilot, OpenAI Codex, Gemini CLI, Goose, and any other MCP- or Agent Skills-compatibleagent.

- 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

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.mdprotocol can also register for their own credential through a user-approved claim ceremony — no pasted key required.
- Get a free API key atcinder.fi/mcp
- Connect your agent tohttps://mcp.cinder.fi/mcp

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

- Endpoint:https://mcp.cinder.fi/mcp
- Auth:Authorization: Bearer YOUR_API_KEY(or theauth.mdregistration flow)
- Transports:Streamable HTTP, SSE

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Cinderfi

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Setting up with Highlight

Setting up with Cursor

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Setting up with Claude Desktop

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Setting up with Windsurf

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Setting up with Cline

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Setting up with Goose

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From the repository

Claude Desktop / Cursor

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About

Details

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Setting up with Highlight

From the repository

Claude Desktop / Cursor

McpServers

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