SuffisaBuilt for Canada
Public pensions

CPP and OAS timing should be planned with your withdrawals.

Starting CPP or OAS earlier or later changes more than monthly income. It can reshape the withdrawals needed from your portfolio and the tax pressure in each year.

Compare timingWhat changes

Timing-aware

Test different CPP and OAS start ages in the same household plan.

Withdrawal-aware

See how public pensions change RRSP, TFSA, and taxable account drawdowns.

Canadian rules

Suffisa models OAS recovery tax and provincial tax assumptions.

Tradeoff

More guaranteed income later can mean more portfolio withdrawals now.

Delaying CPP or OAS can raise future indexed income, but the bridge years have to come from somewhere. The right answer depends on accounts, tax, and spending flexibility.

  • Bridge years may draw RRSP, TFSA, or non-registered assets.
  • Future pension income can reduce later portfolio withdrawals.
  • Higher future income can also interact with OAS recovery thresholds.
Household view

Couples need the timing decision modeled together.

One spouse's pension timing can affect household withdrawals and taxable income. Suffisa keeps both people in one projection.

  • Different start ages for each spouse
  • Separate CPP/OAS assumptions
  • Shared spending and estate goals
  • Year-by-year household cash flow
Plan

Put CPP and OAS timing inside the full plan.

Suffisa turns pension timing into a year-by-year Canadian drawdown plan you can compare.

Compare timing