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Cinderfi
Budgeting, retirement, and tax optimization in one app
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.
Hey ProductHunt! I'm Joseph, the builder behind Cinderfi.
I started this project because I was frustrated using separate tools for budgeting and retirement planning. YNAB tells me I overspent on dining but so what? Boldin tells me I can retire at 62 but disconnected from my actual spending. Neither tool answers the question I actually care about: how does my spending today affect when I can stop working?
Cinderfi is aiming to be the your one end to end financial platform by combining spending, retirement, tax optimization, and investment tracking
A few things I'm proud of
- Retirement cost per transaction: that $6 latte isn't just $6, it's 2 days of retirement when you compound it over 20 years
- Works for both Canada and the US — real provincial/state tax brackets, not flat estimates
- Privacy-first: runs offline with IndexedDB, Supabase sync is optional, no ads
- MCP server: ask Claude about your retirement plan in natural language
- Free tier is genuinely useful... no 14-day trial bait
I'd love to hear what features you'd want to see next. I'm building in public and shipping fast I went from v0 to v1.3 in three weeks.
About Cinderfi on Product Hunt
“Budgeting, retirement, and tax optimization in one app”
Cinderfi was submitted on Product Hunt and earned 3 upvotes and 1 comments, placing #126 on the daily leaderboard. 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.
On the analytics side, Cinderfi competes within Fintech, Money and Personal Finance — topics that collectively have 54k followers on Product Hunt. The dashboard above tracks how Cinderfi performed against the three products that launched closest to it on the same day.
Who hunted Cinderfi?
Cinderfi was hunted by Joseph Johansson. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
For a complete overview of Cinderfi including community comment highlights and product details, visit the product overview.
Joseph Johansson