Retirement math you can check.
Rooftop runs your numbers through Canadian tax brackets, CPP, OAS, and the RRSP, TFSA and FHSA rules, then shows you every assumption it used. There’s nothing to sell you, and you can start without an account.
See how we calculate- No signup to start
- No bank login
- We never ask for your SIN
- Card payments handled by Stripe
- Province
- Ontario
- Retire at
- 60
- Saving
- $1,200 / mo
- Real return
- 4.0%
- Inflation
- 2.1%
- CPP & OAS start
- 65
Four things Rooftop will never do.
Most free money tools make their money somewhere else. We’d rather tell you up front how this one works.
- 01
Sell you a product
Rooftop is paid for by subscriptions, not commissions. There are no funds, policies or mortgages to push.
- 02
Sell your data
We don't sell, rent or trade your personal information to anyone, for marketing or otherwise.
- 03
Ask for your bank login
No connection to your bank, CRA My Account or brokerage. You type the numbers; they stay hypothetical.
- 04
Ask for your SIN
Your plan runs on ages, balances and goals. A Social Insurance Number is never part of it.
It shows its work, the way a planner would.
Returns, inflation, retirement age and spending sit in plain view. Change any of them and the whole plan reruns, so you can see exactly what moves the answer.
Stuck on a result? The built-in assistant reads your actual numbers and explains them in plain English, like why your money runs out at 88 instead of 94.
- 01
Tax
Combined federal and provincial marginal rates for the province you live in.
- 02
Government benefits
CPP and OAS built in, including the trade-off of starting earlier or later.
- 03
Registered accounts
RRSP, TFSA and FHSA room, and which one to fund first at your income.
- 04
Drawdown
Your RRSP converts to a RRIF with minimum withdrawals, so income in retirement is realistic.
- 05
Market risk
500 Monte Carlo runs give you a range of outcomes, not one hopeful line.
- 06
Household
Two incomes, spousal RRSPs, and each child's RESP with CESG grants.
Even we can’t tell whose plan is whose.
Your saved plan is stored so that Rooftop’s own administrators can’t trace it back to your account. That protection is built into how the data is keyed, not a policy promise someone could quietly change.
Your card details go straight into Stripe’s form and never reach us. Your data is handled under PIPEDA, and you can ask for it to be deleted at any time.
Read the privacy policy- billing ref
- balances
- goals
no admin-visible link between the two
What Rooftop is, and what it isn’t.
- A planning tool that runs the numbers for Canadian rules
- A library of plain-English guides on accounts, tax and benefits
- Free to explore, with no account needed
- A licensed financial advisor
- Personalized investment advice
- Connected to your bank, brokerage or CRA account
Free means free. Premium is optional.
The core planning tools don’t sit behind a paywall or a sign-up form. A subscription is how Rooftop pays for itself, and it’s the only way.
Compare plans- TFSA, RRSP, FHSA and CPP planners
- Full retirement projector with Monte Carlo
- RRIF drawdown planner
- Save one plan with a free account
- Save household and RESP plans
- Unlimited saved plans across devices
- 50 plan-assistant questions a day
- 14-day free trial, cancel anytime
Check the math on your own numbers.
No signup to start. Save your plan with a free account whenever you’re ready.