Suffisa — from suffire: to be enough

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.

Run your numbers See how it works

30 DAYS FREENO PAYMENT DETAILSNo charge unless you choose billing

No payment details required. After 30 days, you can choose CA$9/month or CA$79/year, plus applicable taxes. Without billing, your Free plan stays editable.

See Plus plans

● Run a free calculation in your browser without an account. Use an email link to see and save the full plan.

Private by design

Your initial calculation runs on your device. Choosing an email link sends your plan inputs to Suffisa for a temporary encrypted draft so you can open the full plan.

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.

How it works

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

See how much you can spend in the free preview. A one-time email link opens the full withdrawal plan.

Test what-ifs

Retire earlier. Take CPP at 70. Sell the condo. Compare scenarios side by side.

The cascade

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

Built for Canada

Canadian details in your plan

Incorporated?

Your corporation, modeled

Model your CCPC alongside your personal accounts — because for incorporated Canadians, it can change the withdrawal picture.

Au Québec

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.

Coming

Upload a statement

Photograph or upload an account statement and let Suffisa fill in the numbers for you.

Pricing

Your first saved plan is free.

Free

free account to save one plan

The full simulator, in your browser
Every account type, CPP, OAS, RRIF
CSV export

Run your numbers

Suffisa Plus

CA$79

per year — or CA$9/month

30 DAYS FREENO PAYMENT DETAILSNo charge unless you choose billing

Try Plus for exactly 30 days without payment details. Billing begins only when you choose monthly or annual billing.