Professional retirement planning, without the complexity.
Free calculators answer one question at a time. Traditional advisor software is powerful but complex, often antiquated, and so time-consuming that most people never finish it. The Blueprint360 Roadmap bridges that gap: the depth of a real plan, in a tool you’ll actually complete in one sitting.
Where the Blueprint360 Roadmap fits
Quick and free, but they answer one question at a time. No taxes, no drawdown, no CPP/OAS timing, no view of your whole retirement.
Real Canadian planning depth (taxes, drawdown, pensions, RDSP, estate) in a tool that’s intuitive enough to finish in one sitting, and cheap enough for anyone.
Powerful, but complex, expensive, and often antiquated. So heavy that plans frequently get started and never completed.
See exactly where you stand, and what moves the needle
One number from 0 to 100 tells you how fully your plan funds the retirement you want. Adjust your spending and watch it react live, so you can see exactly how much easing off, or saving a little more, changes your outcome.
A recommended withdrawal plan for every year of retirement
Not just a single number. The Roadmap lays out which account to draw from and how much, year by year, accounting for RRIF minimums, taxes, and OAS clawback, so your money is spent in the most tax-efficient order.
| Age | CPP+OAS | Spending | TFSA | RRSP/RRIF |
|---|---|---|---|---|
| 65 | $28,000 | $70,800 | $18,000 | $26,000 |
| 66 | $28,600 | $72,200 | $18,000 | $27,000 |
| 67 | $29,200 | $73,600 | $18,500 | $27,500 |
| 68 | $29,800 | $75,100 | $18,500 | $28,500 |
| 71 | $31,600 | $79,700 | $12,000 | $38,000 |
Model when to start your government benefits
Pick the ages you plan to start CPP and OAS, and the Roadmap folds the resulting lifetime benefit straight into your guaranteed income. Want to compare 60 vs 65 vs 70 head-to-head? The free CPP calculator shows the break-even.
RRSP or TFSA? The Roadmap routes your savings for you
Based on your tax rate now versus in retirement and your province, the Roadmap decides how to split each year’s savings between your RRSP and TFSA, and shows the refund to redirect into next year’s savings.
RDSPs, pensions, rental income, and more, all folded in
Most tools ignore the things that make your situation unique. The Roadmap builds in RDSP grants and bonds, workplace pensions, reverse mortgages, rental-property proceeds, and windfalls, so the plan reflects your actual life.
Everything above, for less than a coffee a month
- Your live Blueprint360 Score and full household plan
- Year-by-year, tax-aware retirement drawdown
- CPP/OAS timing, RRSP vs TFSA, RRIF, RDSP, pensions and more
- AI-powered insights on your specific numbers
- Save unlimited versions and export to PDF anytime
Try it free first: the sample plan is fully interactive before you subscribe.