Cinderfi

What it does

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.

Start with income, spending, debt, savings, and one life event. Cinder turns monthly money decisions into a retirement timeline with real tax, benefit, and account math.

Start with You , or choose a situation like yours. I will give a first read, then show how one life event changes the line. After retirement, income means dollars available to cover spending. Start with rough income, spending, saved balance, and target retirement. cinder turns that sketch into a first read. Move the sliders and I will give you a first read. In the app, I replace this sketch with your real spending, accounts, taxes, benefits, and life events. Sketch the shape here, then bring in the real numbers when you want the actual read. Hand it your real numbers and watch it plan, not guess — a whole life of events mapped on the timeline, the lowest-tax strategy found for you, and a…from cinder.fi

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