TFSA Contribution Room Calculator
Calculate your total TFSA contribution room based on when you turned 18.
2026 Tax YearData stays on your deviceUpdated Apr 1, 2026
$
$
Withdrawals from prior years add back to room Jan 1
Available TFSA Room
$38,000.00
Cumulative Limit
$78,000.00
Since 2015
2026 Annual Limit
$7,000
Already Contributed
$40,000.00
Withdrawal Room Added
$0.00
| Year | Limit | Cumulative |
|---|---|---|
| 2015 | $10,000.00 | $10,000.00 |
| 2016 | $5,500.00 | $15,500.00 |
| 2017 | $5,500.00 | $21,000.00 |
| 2018 | $5,500.00 | $26,500.00 |
| 2019 | $6,000.00 | $32,500.00 |
| 2020 | $6,000.00 | $38,500.00 |
| 2021 | $6,000.00 | $44,500.00 |
| 2022 | $6,000.00 | $50,500.00 |
| 2023 | $6,500.00 | $57,000.00 |
| 2024 | $7,000.00 | $64,000.00 |
| 2025 | $7,000.00 | $71,000.00 |
| 2026 | $7,000.00 | $78,000.00 |
Frequently Asked Questions
How is TFSA room calculated?
You earn TFSA room for each year you are 18+ and a Canadian resident. Annual limits have varied from $5,000 to $10,000. Unused room carries forward. Withdrawals are added back to your room the following January 1.
What is the maximum cumulative room?
If you were 18+ since 2009 and a resident every year, your cumulative room for 2026 is $102,000.
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Built and reviewed by Konstantin Iakovlev · Data from CRA, CMHC, Bank of Canada · MethodologyDisclaimer: This calculator provides estimates based on publicly available data from CRA and other government sources. It does not constitute financial advice. Consult a qualified advisor for decisions about your specific situation.
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