# cinder.fi: Budget & Retirement — Every $ moves your timeline

> Every $ moves your timeline (iPhone/iPad app by Joseph Johansson.)

- Source: https://appshunter.io/ios/app/cinderfi-budget-and-retirement/id6763660417 (this page in markdown: same URL + `.md`)
- Developer: [Joseph Johansson](https://appshunter.io/developer/1895422827)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.0 · 80 MB
- Languages: American English, French (France), Chinese (Simplified, China), European Spanish
- Released: 2026-07-20
- Data updated: 2026-10-24

## What is cinder.fi?

cinder.fi connects your monthly budget to your retirement plan, for Canada and the United States. Every dollar you don't spend shows up in your plan, so you can see how today's choices move your retirement date.

Instead of rules of thumb, cinder.fi runs your real numbers through full tax engines, for every Canadian province and territory and all 50 US states, and projects your finances year by year, all the way through retirement.

BUDGET AND TRACK SPENDING
• A monthly budget that shows how the month is filling up, day by day
• Where it went: your spending month by month, by category or by account, with the biggest movers and the charges behind them
• Bills on any schedule, followed to their last payment, with a heads-up before a free trial starts charging or when a bill hasn't shown up
• Connect your bank securely with Plaid, or import CSV, OFX or YNAB

PLAN YOUR RETIREMENT
• Year-by-year projections of income, taxes, account drawdowns and estate value
• Real federal and provincial/state tax brackets, not estimates
• Government benefits modeled directly: CPP, OAS and GIS in Canada; Social Security in the US
• RRIF and RMD minimum withdrawals as you age
• Life events, from an inheritance to a home purchase, on one timeline

KNOW WHERE YOU STAND
• Your Cinder Score, a 0 to 100 retirement-readiness rating that updates as your plan changes
• Net worth across every account type: RRSP, TFSA, FHSA, RRIF, non-registered, 401(k), IRA, Roth, HSA, taxable and more
• Plan together: a partner joins your household and you share one plan

GO DEEPER WITH PRO
• Ask cinder: an AI assistant that answers questions about your own plan and spending
• A strategy optimizer that tests thousands of combinations of benefit timing and withdrawal order
• Monte Carlo simulations and historical backtesting back to 1871
• RRSP meltdown and Roth conversion modeling to smooth out lifetime taxes
• Unlimited scenarios, side by side
• Pension income splitting for Canadian couples
• Rental property, home equity and securities-backed lending
• PDF report export

YOUR DATA, PROTECTED
• Sign in with email, Google or Apple
• Bank credentials are never stored; bank connections go through Plaid
• Your financial data is encrypted and synced privately to your account

Whether you're decades from retirement or already drawing down, cinder.fi turns scattered balances, tax rules and benefit decisions into one clear plan you can act on.

cinder.fi provides educational projections and planning tools. It is not financial, tax or investment advice. Projections are estimates based on the information and assumptions you provide.

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| cinder.fi Pro | $12.00 | per month |
| cinder.fi Pro | $99.00 | per year |


## Is cinder.fi safe?

Not enough ratings yet to assess cinder.fi.

## Is cinder.fi legit?

cinder.fi: Budget & Retirement has limited verification signals. The AppsHunter Legitimacy Score for cinder.fi is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 2.28.0 — 2026-10-20

Private Mode for everyone, a faster Ask cinder, and more of the app in your language.
• Private Mode is open to everyone. Keep your finances encrypted on your own devices so even we can't read them. Turn it on in Settings or during setup, free on every plan.
• Ask cinder runs on a newer model and gets to the answer sooner, without narrating each step.
• Demo names, built-in categories and default account names follow the language you choose, and French now says REER, CELI and FERR throughout.
• If your phone is in the US while your plan is Canadian (or the reverse), a one-time prompt offers to switch your plan's country.

### 2.27.0 — 2026-10-19

Live bank updates and faster AI.

• New bank transactions show up while the app is open, for you and a partner in a shared household. No restart needed.
• AI categorizing and bill suggestions take seconds instead of half a minute.
• Re-running the optimizer on an unchanged plan is instant and doesn't use one of your monthly runs.
• Face ID now asks in French, Spanish or Chinese.
• Signing up on iPhone now sets up your plan and prices for your country.
• Reliability and security improvements throughout.

### 2.25.0 — 2026-10-18

Restoring Pro just works, and fewer emails.

• Restore purchases now finds your Pro subscription, and Settings can tell which store bills you.
• Fewer, better-timed upgrade emails: at most two, spaced out, and never if you already have Pro.
• Bill suggestions come back even when the main model runs long.
• Reliability and security improvements throughout.

### 2.24.0 — 2026-10-15

Your contribution room, your safety net and a fresh new look.

• Contribution room that carries over: next year's RRSP room and your pension adjustment are estimated for you, and your room rolls into the new year on its own.
• Contributions versus growth: see how much of each account's year came from what you put in and how much from growth.
• Margin calls on a line of credit: see whether a market drop would force a sale, and what it would cost you.
• Tax withheld on RRSP and RRIF withdrawals: see what the bank holds back and what you'll owe or get back at tax time.
• US accounts: record an IRA or HSA over-contribution you took out, and the excess clears.
• Every chart redrawn in the new cinder.fi look.
• Your sign-in now lives in the iPhone Keychain, and with Face ID lock on the app locks itself after 10 idle minutes.
• Reliability and security improvements throughout.

### 2.23.0 — 2026-10-12

Spending and bills, clearer than ever.

• Where it went: a month-by-month view of your spending by category or by account, with the biggest movers and the charges behind them.
• Bills that end: track pay-in-4 plans and loan payments to their last payment, and get a heads-up before a free trial starts charging.
• Bills on any schedule: every few weeks or months, twice a month, quarterly or twice a year.
• Yearly and quarterly bills show a set-aside meter and a renewal heads-up with Keep or Cancel.
• A heads-up when a bill hasn't shown up yet.
• Reliability and security improvements throughout.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-24.*