🇨🇦 Canadian Calculators
TFSA Contribution Room Calculator
Find out exactly how much TFSA room you have in 2026. Updated with the latest CRA annual limits.
Calculate Your Room
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Enter your total lifetime contributions (not net — include amounts you later withdrew and re-contributed).
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Withdrawals in the current year (2026) do NOT add back until January 2027.
Annual TFSA Limits
| Year | Annual Limit | Cumulative |
|---|
Cumulative total assumes eligibility since 2009. Source: CRA.
TFSA Frequently Asked Questions
The annual TFSA contribution limit for 2026 is $7,000. If you have never contributed and have been eligible since 2009, your total cumulative room is $102,000.
The CRA charges a 1% penalty per month on any excess contribution amount until you withdraw it. Always verify your room through My CRA Account before making a large contribution.
Yes — withdrawals are added back to your room, but only on January 1 of the following calendar year. If you withdrew $10,000 in March 2026, you can re-contribute it starting January 1, 2027.
Yes — unused contribution room accumulates indefinitely. You earn room each year you are 18+ and a Canadian resident, even if you never open a TFSA.