Do you have enough — and in what order should you spend it?
Suffisa maps your retirement drawdown year by year to age 100 — RRSP, TFSA, non-registered, even your corporation — and finds the withdrawal order that makes it last.
● Free. No account. Runs entirely in your browser — nothing you enter leaves your device.
Private by design
Your plan is computed on your device. We can't see your numbers.
Built for Canada
CPP, OAS and its clawback, RRIF minimums, provincial tax — including Quebec.
An educational tool
Clear assumptions you can see and change. Not financial advice.
Three steps to a plan you can read
Enter your accounts
RRSP, TFSA, non-registered, your corporation if you have one — plus what you spend in a year.
See your order
Suffisa finds how much you can spend, and which account to draw first, second, and last.
Test what-ifs
Retire earlier. Take CPP at 70. Sell the condo. Compare scenarios side by side.
Read your retirement like a cross-section
Warm layers go first: non-registered money is spent in the sunlit years, while your TFSA sits deepest and compounds untouched until the end. A reverse mortgage, if you ever need one, is borrowing — so it's drawn as bedrock: hatched, never counted as savings.
- 1Non-registered — spent first
- 2Corporation (CCPC) — drawn down early, on purpose
- 3RRSP / RRIF — the long middle years
- 4TFSA — kept longest, growing tax-free
- 5Reverse mortgage — last resort, and often never needed
The parts other planners skip
Your corporation, modeled
The only consumer planner that treats your CCPC as a first-class account — because for incorporated Canadians, it is one.
En français, vraiment
Une interface entièrement en français — pas une traduction après coup. RRQ, FERR, CELI : les bons termes, dès le départ.
This card stays in French on purpose — the interface is fully bilingual.
Upload a statement
Photograph or upload an account statement and let Suffisa fill in the numbers for you.
The simulator is free. Keeping your plans is not.
Free
- The full simulator, in your browser
- Every account type, CPP, OAS, RRIF
- CSV export
Suffisa Plus
- Save and revisit your scenarios
- Share a plan with your spouse or advisor
- Your full plan as a PDF report