TFSA Contribution Room Calculator 2026
Your Tax-Free Savings Account contribution room for 2026 from your age, the year you became resident, what you have put in and what you have taken out.
Result
Contribution room for 2026: CA$109,000.00Estimate
Your CRA My Account shows the official figure, though it may not include this year’s transactions yet.
- Room accumulated since eligible
- CA$109,000.00Estimate
- The 2026 yearly limit
- CA$7,000.00Estimate
- Room counted from
- 2009
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Results are arithmetic on the returns, rates and horizons you enter, not a forecast and not investment, tax or retirement advice. The site supplies no expected return, inflation rate, contribution limit, tax rate or withdrawal rate. Real returns vary from year to year, and fees, taxes and the order of returns all change the outcome. Check anything that matters with a qualified adviser. Read the full disclaimer
How to use the TFSA Contribution Room Calculator 2026
- Enter your year of birth and the year you became a resident of Canada.
- Enter everything you have ever contributed to TFSAs, and everything you withdrew before 2026.
- Read your contribution room for 2026.
The yearly limits
| Years | Limit each year |
|---|---|
| 2009–2012 | $5,000 |
| 2013–2014 | $5,500 |
| 2015 | $10,000 |
| 2016–2018 | $5,500 |
| 2019–2022 | $6,000 |
| 2023 | $6,500 |
| 2024–2026 | $7,000 |
room = sum of limits since you became eligible − all contributions + withdrawals made before this yearYour CRA My Account shows the official room. It may lag behind recent transactions, so this page helps you check what’s left this year.
With your numbers
- Every year’s limit since you were 18 and resident, less what you put in, plus what you took out before this year
Quick reference
Your CRA My Account shows the official figure, though it may not include this year’s transactions yet.
| Example | Contribution room for 2026 |
|---|---|
| Born 1985, never contributed | CA$109,000.00 |
| Born 2000 | CA$57,000.00 |
| Arrived in 2020 | CA$45,500.00 |
| $50,000 in, $10,000 out | CA$69,000.00 |
| Born 2008, turns 18 in 2026 | CA$7,000.00 |
| Maxed out every year | CA$7,000.00 |
Where the numbers come from
The fixed figures this calculator relies on, and the published source each one was checked against. How the calculators are built and checked
1 source
CRA, Contributing to your TFSA: before you contribute, https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/contributing/before.html
Used for
- Years in the TFSA limit table, 2009 to 2026. Verifying this verifies every yearly limit in src/data/canada-tfsa.ts.
Common questions about the TFSA Contribution Room Calculator 2026
- How much is the TFSA limit for 2026?
- $7,000, the same as 2024 and 2025. Someone who has been 18 or older and resident in Canada every year since the TFSA began in 2009 has $109,000 of room in total if they have never contributed.
- When does TFSA room start?
- In the year you turn 18 and are resident in Canada, whichever comes later, and not before 2009. You don't have to open an account for the room to build up.
- How do withdrawals affect my room?
- A withdrawal is added back to your room on 1 January of the next year. Withdrawing and recontributing in the same year can cause an over-contribution, which is taxed at 1% a month.
- How are the yearly limits set?
- The limit is indexed to inflation and rounded to the nearest $500, which is why it moves in steps: $5,000 from 2009, $5,500 in 2013, $10,000 for 2015 only, back to $5,500, then $6,000, $6,500 and $7,000.