One place to budget, plan, and know exactly when you'll retire. Real tax math for every Canadian province and US state, Monte Carlo simulations, and automatic budget sync.

Cinderfi is the first tool that connects daily spending decisions to retirement outcomes. No existing product bridges both worlds. Budgeting apps (YNAB, Monarch, Copilot) track spending but ignore retirement math, while retirement planners (Boldin, ProjectionLab) model projections but have no idea what you actually spend.