Free tool · Canada
TFSA Contribution Room Calculator
See exactly how much room you have left in your Tax-Free Savings Account. Based on the official annual limits since 2009 — enter your details and it's calculated instantly.
Room available to contribute now
$109,000
Total room granted
$109,000
Eligible since
2009
2026 annual limit
$7,000
See the year-by-year limits
| 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 |
Assumes you were a Canadian resident every year since you turned 18. Your official room is on your CRA My Account. Not financial advice.
How TFSA room works
You accrue new room every year you're 18 or older and a Canadian resident, starting in 2009 (or the year you turned 18). Unused room carries forward forever. When you withdraw, that amount is added back to your room — but only the following calendar year, so don't re-contribute it in the same year.
Newcomers to Canada
If you immigrated, you only start accruing room from the year you became a resident — not back to 2009. Enter your resident since year above so the estimate is right. Years you were a non-resident don't count.
The 2026 limit
The annual TFSA dollar limit for 2026 is $7,000. Someone eligible since 2009 who has never contributed has $109,000 of room in 2026.
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