1 · How much data are you protecting?
Count everything you'd be upset to lose — photos, documents, music, projects.
2 · How many devices hold that data?
This decides whether a per-computer or a multi-device cloud plan fits.
3 · How much is the data worth to you?
This sets how thorough the plan needs to be — and how fast you'd need to recover.
4 · Build your plan
Tick what you'll actually do. Prices are one-time (upfront) and monthly — sourced, dated, and labeled below.
✅ Essentials — the 3-2-1 core
The minimum that counts as a real backup plan: original + local copy + offsite copy.
🧸 Nice to have — stronger and faster recovery
Genuinely useful, not required. A NAS gives you a second local copy that's always on; an offsite drive replaces the cloud subscription.
What you risk without it
Drives fail. Backblaze's 2025 Drive Stats — 344,196 hard drives tracked — recorded a 1.36% annualized failure rate (down from 1.57% in 2024; lifetime AFR 1.30%). That's roughly 1 in 74 drives failing each year.
Over five years, a single drive's cumulative chance of failing is roughly 6–7% — about 1 in 15 (illustrative arithmetic from the published 1.36% AFR, not a separate study).
A backup plan doesn't change the odds. It changes what a failure costs you.
Source: Backblaze 2025 Year-End Drive Stats report, published Feb 12, 2026 — Business Wire release. The stat describes data-center drives; your odds may differ, which is exactly why redundancy exists.
5 · Make it real
- Automate it. Use your OS's built-in backup (File History / Time Machine) or your cloud app's scheduler — backups you have to remember don't happen.
- Test a restore. Pick a random file, restore it, confirm it opens. Repeat every few months.
- Unplug the local drive between scheduled backups — an offline copy can't be hit by ransomware or a power surge.
- Keep recovery info somewhere safe. Cloud login, encryption key, and the drive itself should all be findable by you (or family) in an emergency.
Sources — every price, dated
- Seagate Expansion 2TB portable USB 3.0 (STKM2000400) — CA$189.99 at Best Buy Canada (bestbuy.ca). Page accessed 2026-09-28.
- Seagate Expansion 4TB portable USB 3.0 (STKM4000400) — CA$264.99 at Best Buy Canada (bestbuy.ca). Page accessed 2026-09-28.
- Synology DiskStation DS223j 2-bay NAS, diskless — CA$304.99 at PC-Canada (pc-canada.com). Page accessed 2026-09-28.
- WD Red Plus 4TB NAS HDD (WD40EFPX) — CA$299.99 at Canada Computers (canadacomputers.com). Page accessed 2026-09-28.
- Backblaze Computer Backup — CA$12.73/mo (or CA$140.04/yr), unlimited storage, one computer. Published price US$9/mo (US$99/yr), converted at the Bank of Canada daily rate US$1=CA$1.4145 on 2026-09-25. Third-party reviews Sept 2026; confirm on backblaze.com.
- iDrive Personal 5TB — CA$11.73/mo (CA$140.74/yr renewal; first year often US$69.65 promo), multiple computers + NAS. Published price US$99.50/yr (PCWorld online backup review, 2026), converted at the Bank of Canada daily rate US$1=CA$1.4145 on 2026-09-25. Confirm on idrive.com.
- Backblaze B2 cloud storage — CA$9.83/TB/month pay-as-you-go, first 10GB free. Published US$6.95/TB/mo on backblaze.com/cloud-storage/pricing — vendor's own page, fetched 2026-09-28; converted at the Bank of Canada daily rate US$1=CA$1.4145 on 2026-09-25.
- US$→CA$ conversion rate: Bank of Canada daily exchange rates — US dollar 1.4145 on 2026-09-25 (last published business day). Converted figures are marked "Illustrative" in the planner.
- Google AI Plus (400GB storage) — CA$6.99/mo in Canada. iPhone in Canada, 2026-06-08. Google's storage plans change — confirm on one.google.com.
- Drive failure stat — Backblaze 2025 Year-End Drive Stats: 1.36% AFR across 344,196 drives, published Feb 12, 2026 (Business Wire).