Can I replace a withdrawal immediately?

Only if you already have enough unused room. Ordinary withdrawals are added back on January 1 of the following year.

Does this reconstruct my lifetime eligibility?

No. Start with unused room you have already established from your records. This worksheet does not reconstruct residency, age eligibility or past excess contributions.

All free tools

Free tools

TFSA contribution-room calculator

Estimate room for a selected year from unused room, ordinary withdrawals and contributions across all your TFSAs.

Your inputs

Use your records across all your TFSAs, in Canadian dollars. Enter 0 when a category does not apply.

Calendar year

Unused room at the end of the previous year ($)

Ordinary withdrawals in the previous year ($)

Contributions so far this year ($)

Ordinary withdrawals so far this year ($)

I am an eligible Canadian resident aged 18 or older for this year, with no excess carried in or special transfers or distributions to account for.

Your estimate

Enter unused room before adding back last year’s withdrawals. The worksheet adds that amount, eligible prior-year withdrawals and the selected year’s annual limit, then subtracts current contributions.

Confirm that this ordinary contribution-room worksheet fits your situation, then enter all amounts.

Current-year withdrawals restore room next year. Investment gains and losses do not create contribution room. Use issuer records; CRA figures can lag. Special distributions, transfers, non-residency and excess corrections need separate treatment.

Reference: Canada Revenue Agency — TFSA contribution room. Limits checked September 23, 2026.

Common questions

Can I replace a withdrawal immediately?: Only if you already have enough unused room. Ordinary withdrawals are added back on January 1 of the following year.
Does this reconstruct my lifetime eligibility?: No. Start with unused room you have already established from your records. This worksheet does not reconstruct residency, age eligibility or past excess contributions.

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