Free tool · TFSA room · no signup
TFSA contribution-room calculator Know your room before you contribute.
Estimate your TFSA room for a year from unused room, ordinary withdrawals and contributions across all your TFSAs — with every CRA annual limit.Confirm that this ordinary contribution-room worksheet fits your situation, then enter all amounts.
2026 annual limit
$7,000
Total room 2009–2026
$109,000
Confirm that this ordinary contribution-room worksheet fits your situation, then enter all amounts.
Quick answer
TFSA limit 2026: $7,000
- 2026 annual limit
- $7,000
- The same for everyone, set every January 1
- Total room, 2009–2026
- $109,000
- 18+ and a resident of Canada since 2009, never contributed
The TFSA dollar limit for 2026 is $7,000. If you have been 18 or older and a resident of Canada since 2009 and have never contributed, your total contribution room in 2026 is $109,000 — the sum of every annual limit from 2009 to 2026. The limit is indexed to inflation and rounded to the nearest $500. To see your own room, sign in to your CRA account (My Account): it only updates in the spring, so compare it with your statements.
Checked on canada.ca, October 6, 2026. Source: Before you contribute to a TFSA — TFSA dollar limits
01
Your inputs
Use your records across all your TFSAs, in Canadian dollars. Enter 0 when a category does not apply.
02
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.
03
TFSA limits by year, 2009–2026
One limit for everyone, set each January 1. The last column is the room you’d have in 2026 if you first became eligible that year and never contributed.
| Year | Annual limit | Total since 2009 | Room in 2026 if eligible since |
|---|---|---|---|
| 2009 | $5,000 | $5,000 | $109,000 |
| 2010 | $5,000 | $10,000 | $104,000 |
| 2011 | $5,000 | $15,000 | $99,000 |
| 2012 | $5,000 | $20,000 | $94,000 |
| 2013 | $5,500 | $25,500 | $89,000 |
| 2014 | $5,500 | $31,000 | $83,500 |
| 2015 | $10,000 | $41,000 | $78,000 |
| 2016 | $5,500 | $46,500 | $68,000 |
| 2017 | $5,500 | $52,000 | $62,500 |
| 2018 | $5,500 | $57,500 | $57,000 |
| 2019 | $6,000 | $63,500 | $51,500 |
| 2020 | $6,000 | $69,500 | $45,500 |
| 2021 | $6,000 | $75,500 | $39,500 |
| 2022 | $6,000 | $81,500 | $33,500 |
| 2023 | $6,500 | $88,000 | $27,500 |
| 2024 | $7,000 | $95,000 | $21,000 |
| 2025 | $7,000 | $102,000 | $14,000 |
| 2026 | $7,000 | $109,000 | $7,000 |
04
Worked example
The default scenario, computed with this tool’s own math — replace the inputs above with your own numbers.
In 2026 the annual limit is $7,000. Carry in $6,000 of unused room and add back $4,000 withdrawn last year: that opens $17,000 of room. After contributing $1,000, $16,000 is left — and the $2,000 withdrawn this year comes back on January 1, 2027.
- Annual dollar limit
- $7,000
- Room at the start of the year
- $17,000
- Estimated room remaining
- $16,000
- Withdrawals added back in 2027
- $2,000
05
Common questions
What the numbers mean — and what they leave out.
- What is the TFSA limit for 2026?
- The TFSA dollar limit for 2026 is $7,000. It is the same for every eligible Canadian, becomes available on January 1, and is indexed to inflation and rounded to the nearest $500. Unused room from earlier years adds to it.
- How do I check my TFSA contribution room?
- Sign in to your CRA account (My Account), then choose Savings and pension plans, View TFSA details and Contribution room. That figure is only updated once a year, in the spring: your issuers report a year’s transactions at the end of February of the following year. Early in the year it therefore doesn’t include last year’s contributions and withdrawals yet, nor this year’s. Compare it with your own statements, or work it out with the CRA’s Form RC343 worksheet or this calculator.
- How much TFSA room do I have if I’ve been eligible since 2009?
- If you were 18 or older and a resident of Canada in 2009 and have never contributed, your room in 2026 is $109,000. If you became eligible later, add up the limits from the year you turned 18 or became a resident: the table on this page shows that total for every starting year.
- Do withdrawals give my TFSA room back?
- Yes, but not right away. Ordinary withdrawals are added back to your room on January 1 of the following year. Putting the money back in the same year only works if you already have enough unused room.
- Do investment gains or losses change my TFSA room?
- No. Changes in the value of your TFSA investments, and the earnings they produce, don’t reduce your contribution room — and losses don’t give room back. Room depends only on the annual limits, your contributions and your withdrawals.
- What happens if I contribute too much to my TFSA?
- An over-contribution is taxed at 1% per month on the excess for as long as it stays in the account. Remove it as soon as you notice, and check your issuers’ records: financial institutions report a year’s transactions at the end of February of the following year, so CRA figures can lag.
- Does this calculator know my real TFSA room?
- No. It estimates room from the amounts you enter, starting from unused room you have already established. It doesn’t reconstruct your residency, age eligibility or past excess contributions — your CRA account and your issuers’ statements remain the reference.
06
Your other registered accounts
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