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TFSA · Free calculator

Your TFSA room, up to $109,000.

One question: what is my TFSA contribution room in 2026? Your birth year sets the ceiling; what you put in and took out sets the number.

Contribution room estimate

Every dollar you ever put in, across every TFSA you hold.

A withdrawal only returns as room the following January 1, so leave out anything you took out this year.

Estimated room for 2026
$109,000

$109,000 of lifetime room since 2009 − $0 contributed + $0 withdrawn before 2026 = $109,000

The ceiling: every year's limit, added up
YearLimit
2009$5,000
2010$5,000
2011$5,000
2012$5,000
2013$5,500
2014$5,500
2015$10,000
2016$5,500
2017$5,500
2018$5,500
2019$6,000
2020$6,000
2021$6,000
2022$6,000
2023$6,500
2024$7,000
2025$7,000
2026$7,000

Limits: CRA, TFSA dollar limit by year (page dated ). Nothing you type is stored or sent anywhere.

What this number assumes

Room starts in the first year you were 18 or older, and no earlier than 2009, the year the TFSA began. It accumulates for every year you were a Canadian resident with a social insurance number, whether or not you opened an account. The CRA's worksheet for your own room is on canada.ca.

Why the estimate can still miss your real number

Years you were a non-resident of Canada add no room, and this calculator does not subtract them. A withdrawal you made this year is not back yet; it returns next January 1. And the figure is only as good as the totals you typed, which is why the durable answer is a dated record of every deposit and withdrawal, not a one-time estimate.

If the result is negative, that is an excess

A negative number means you have contributed past your ceiling, and the CRA charges 1% of the highest excess amount for each month it stays in the account. The penalty calculator below prices it.

Track your real number, free Read the TFSA limit guide

Written by Mo Kechout CRA figures verified