Last updated: April 20, 2026
Rooftop Wealth is an informational tool, not a financial advisor.
We help you punch in numbers and make sense of them. We do not — and cannot — give you personal financial, tax, investment, insurance, or legal advice. Nothing you see on this site should be relied on as a recommendation to take, or not take, any financial action.
Rooftop is a self-serve set of Canadian retirement and financial planning calculators. You enter your own numbers — ages, balances, contributions, income estimates, return assumptions — and the tools project, summarise, and visualise the results. The output is illustrative only. It is based entirely on the inputs you provide and on simplifying assumptions about future returns, inflation, taxes, and government benefits, none of which can be predicted with certainty.
Rooftop Wealth and its operators are not registered or licensed as financial advisors, financial planners, investment dealers, portfolio managers, mutual fund dealers, exempt market dealers, insurance agents, mortgage brokers, accountants, or lawyers in any Canadian province or territory, or anywhere else.
We are not a member of any provincial securities commission, IIROC, the MFDA, the CFP Board, the FP Canada Standards Council, or any other professional regulatory body. We do not hold any professional financial designation.
Use of Rooftop does not create a client relationship, fiduciary duty, or any other professional relationship between you and us.
All content on this site — including projections, scores, charts, articles, suggestions, chat responses, and exported plan summaries — is provided for general educational and informational purposes only. It is not personalised advice and does not take into account your specific objectives, complete financial situation, risk tolerance, or circumstances.
Tax rules, contribution limits, government benefit amounts, and assumed rates of return change over time and may not match your actual situation. Numbers shown by Rooftop are estimates, not guarantees. Past performance — including any historical return assumptions used in projections — does not guarantee future results.
Before making any financial, tax, investment, insurance, retirement, estate, or legal decision, you should consult a qualified, licensed professional who can review your full circumstances.
You use Rooftop at your own risk. You are solely responsible for any financial decisions you make and for verifying any number, assumption, or strategy with a qualified professional before acting on it.
To the maximum extent permitted by law, Rooftop Wealth and its operators disclaim all liability for any loss, damage, or expense — direct, indirect, incidental, or consequential — arising out of or in connection with your use of the site, the accuracy of any output, or any decision you make based on it.