Find your total accumulated TFSA contribution room in seconds. Enter your birth year (and, if you moved to Canada after 2009, when you became a resident) and we'll add up every annual limit from the CRA's 2009–2026 table. No login, no sign-up, nothing stored.
Updated for the 2026 limit ($7,000) · Estimate only, not tax advice
TFSA room starts accumulating the year you turn 18.
Enter your lifetime TFSA contributions to see your remaining room.
Total accumulated TFSA room
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This is a general-information estimate, not tax advice. Withdrawals and certain transfers affect your room in ways this tool doesn't model. Confirm your exact figure in CRA My Account.
How it works
Your room is the sum of every year's limit since you became eligible
The TFSA launched in 2009. Every year, the CRA sets a dollar limit, and you accumulate that year's room if you're 18 or older and a Canadian resident, whether or not you open or use a TFSA. Unused room carries forward indefinitely, and withdrawals are added back to your room the following calendar year. This free TFSA calculator adds up the annual limits from the later of 2009 or the year you turned 18 (or became a resident) through 2026.
Year
Annual limit
Cumulative since 2009
Withdrawals
Money you take out comes back as room, but not until January
This is the rule that costs people the most money. When you withdraw from a TFSA, that amount is added back to your contribution room on January 1 of the following year, not right away.
Say you have $7,000 of room in 2026 and contribute all of it in January. In June you withdraw $4,000 for a car repair. Your room for the rest of 2026 is zero, not $4,000. If you put that $4,000 back in September, you have over-contributed by $4,000, and the CRA charges 1% per month on the excess for every month it sits there. On January 1, 2027, the $4,000 you withdrew comes back as room, but it is immediately consumed absorbing the September excess. That stops the 1% clock, and your usable room for 2027 is just the 2027 annual limit. Had you waited until January to put the money back, you would have had the 2027 limit plus the $4,000, and paid nothing.
The exception is a direct transfer between two of your own TFSAs. If your institution moves the money directly, it is neither a withdrawal nor a contribution, so your room is untouched. If you withdraw from one TFSA and deposit into another yourself, it counts as both, and you can trigger a penalty in the same year.
What counts
Growth does not use up room, and losses do not give it back
Only contributions count against your room. What happens to the money afterwards does not.
If you contribute $7,000 and it grows to $9,000, you have still used $7,000 of room. The $2,000 gain is yours tax free and reduces nothing. If that $7,000 falls to $5,000 and you withdraw it, only $5,000 is added back the following January. The other $2,000 never comes back as room, which is the main argument for keeping highly speculative positions in a taxable account instead.
Interest, dividends, and capital gains earned inside the account are not contributions. Neither are qualifying direct transfers from another TFSA in your name.
CRA figures
The number in CRA My Account is usually behind
Banks and brokerages report TFSA activity to the CRA once a year, after the calendar year ends. The figure you see in CRA My Account carries an "as of" date, and it does not include anything you contributed or withdrew since then.
In practice the CRA number is reliable for closed years and unreliable for the current one. If you contributed in March and check in April, that contribution is almost certainly not reflected yet. Treat the CRA figure as a starting balance, then adjust for everything you have done this year using your own statements.
This is the most common way people over-contribute: they read a stale CRA number, believe they have room left, and contribute again.
Over-contributions
If you have already put in too much
The penalty is 1% per month of the highest excess amount in the account that month. It keeps running until the excess is removed or new contribution room absorbs it on January 1, and it is not prorated by days, so acting before month end matters.
Withdraw the excess as soon as you find it. Then file form RC243, the TFSA return, by June 30 of the following year and pay the tax owed. If the over-contribution came from a reasonable error and you removed it promptly, you can ask the CRA to cancel or waive the tax by sending it a letter explaining what happened and why waiving it would be fair. That request is discretionary, and the CRA expects to see that you fixed it quickly.
A negative number in the calculator above is a signal to check, not a verdict. It does not know about withdrawals you made in earlier years.
Eligibility
Turning 18, moving to Canada, and leaving it
Room starts accumulating in the year you turn 18, as long as you are a Canadian resident. You do not need to open a TFSA, file a return, or even hold a social insurance number for room to accrue; the SIN is only required to open the account.
In British Columbia, New Brunswick, Newfoundland and Labrador, Nova Scotia, the Northwest Territories, Nunavut, and Yukon, the age of majority is 19, so you cannot sign the contract to open a TFSA until then. The room for the year you turned 18 still accrues and carries forward, which means you can contribute two years of room the moment you open the account.
If you became a Canadian resident after 2009, your room starts at the later of 2009, the year you turned 18, or the year you arrived. Tick the newcomer box above and the calculator accounts for it.
If you leave Canada, no new room accrues for any year you are a non-resident throughout. You can keep the account and keep withdrawing, but any contribution you make while non-resident is taxed at 1% per month for each month it stays in the account.
Stop recalculating this by hand every year. Mozaic tracks your TFSA room automatically from your real accounts.
TFSA contribution room is the total amount you're allowed to put into your Tax-Free Savings Account without penalty. It started in 2009 and accumulates every year you're 18 or older and a Canadian resident, even in years you didn't open or use a TFSA.
How is my TFSA contribution room calculated?
Add up the CRA's annual dollar limit for every year since the later of 2009 or the year you turned 18 (or became a Canadian resident, if later). This calculator sums those limits for you. Withdrawals are added back to your room the following year.
What is the TFSA limit for 2026?
The TFSA annual dollar limit for 2026 is $7,000, the same as 2024 and 2025. If you were 18 or older and a Canadian resident in every year since 2009 and have never contributed, your total accumulated room is the sum of every annual limit from 2009 through 2026.
Does unused TFSA room carry forward?
Yes. Any contribution room you don't use carries forward indefinitely. There is no deadline to use it, so unused room from past years stays available.
What happens if I over-contribute to my TFSA?
The CRA charges a penalty of 1% per month on the highest excess amount for each month it stays in the account. If this calculator shows a negative remaining figure, you may be over-contributed. Confirm your exact room in CRA My Account before contributing more.
I moved to Canada recently. How does that affect my room?
You only accumulate TFSA room for years you were both 18 or older and a Canadian resident. If you became a resident after 2009, your room starts the year you arrived (or the year you turned 18, whichever is later). Tick the residency option above to account for this.