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TFSA contribution room calculator for 2026

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.

YearAnnual limit

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TFSA contribution room questions

What is TFSA contribution room?
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.