Canada TFSA Contribution Room Calculator
Enter your total cumulative TFSA room (if resident in Canada since 2009) and how much you have contributed to see your remaining room.
Reflects 2026 ($7,000 annual / $109,000 cumulative) rates (effective 2026-01-01).
Last checked 2026-09-11 · v1. Tax rules change — verify against an official source before relying on this for a filing.
Source.
Canada TFSA Contribution Room Calculator
Track your cumulative Tax-Free Savings Account (TFSA) contribution room.
This is an estimate for general informational purposes only, not investment advice. The $109,000 default cumulative figure assumes you were 18 or older and a Canadian resident for every year since 2009 — adjust it if you turned 18 later or moved to Canada more recently. Withdrawals made this calendar year are only added back to your room on January 1 of next year.
The TFSA annual contribution limit for 2026 is $7,000. If you have been a Canadian resident aged 18+ since 2009 and never contributed, your cumulative available room is $109,000 — the sum of every year’s limit since the program began.
Example
- With the default values shown above, this calculator returns: Remaining Contribution Room ≈ CAD 64,000.00; Over-Contribution (if any) ≈ CAD 0.00.
Frequently Asked Questions
What is the 2026 TFSA annual limit?
$7,000 — the annual limit has been $7,000 since 2024, up from $6,500 in 2023, and is indexed to inflation in $500 increments.
Do withdrawals free up room right away?
No — any amount you withdraw is added back to your contribution room, but only starting January 1 of the following calendar year, not immediately.