SuffisaBuilt for Canada
Canadian drawdown

Plan how to turn savings into retirement income.

Suffisa maps your retirement drawdown year by year to age 100 and tests which accounts to draw first, second, and last.

Start the calculatorWhat it includes

Canada-only

Built around Canadian accounts, public pensions, and tax assumptions.

Account order

Tests RRSP/RRIF, TFSA, non-registered, and corporate assets where relevant.

No account needed

The free simulator runs before sign-in and keeps anonymous inputs local.

The hard part

Retirement income is a sequence problem.

The same starting balances can produce different outcomes depending on which account is used in which year.

  • RRSP/RRIF withdrawals create taxable income.
  • TFSA withdrawals are flexible but valuable shelter.
  • Non-registered accounts can create capital gains.
  • CPP and OAS change the required portfolio draw.
Output

Get a plan you can actually read.

The result is not just one number. Suffisa shows sustainable annual spending, year-by-year balances, tax pressure, and suggested actions.

  • Annual withdrawal path
  • Sustainable spending estimate
  • Estate range under market variation
  • Plain-language suggested actions
Plan

Run a Canadian drawdown plan in minutes.

Enter your household, accounts, income, and spending target. Suffisa calculates the drawdown path in your browser.

Start the calculator