TFSA Contribution Room
CanadaEstimate your TFSA contribution room from your own records. Enter tax year, birth year, residency, total contributions, and prior-year withdrawals; we apply CRA rules and annual limits (e.g. 2026 $7,000). Always verify with CRA My Account and your financial institution. RRSP room calculator.
Full amount withdrawn adds back to this year's room (CRA: principal + gains)
Year-by-year room
Annual limit and cumulative room since you became eligible. Your room is calculated for the selected tax year only (see footnote below).
| Year | Annual limit | Cumulative | Your room |
|---|---|---|---|
| 2026Now | $7,000 | $109,000 | $109,000 |
| 2025 | $7,000 | $102,000 | — |
| 2024 | $7,000 | $95,000 | — |
| 2023 | $6,500 | $88,000 | — |
| 2022 | $6,000 | $81,500 | — |
| 2021 | $6,000 | $75,500 | — |
| 2020 | $6,000 | $69,500 | — |
| 2019 | $6,000 | $63,500 | — |
| 2018 | $5,500 | $57,500 | — |
| 2017 | $5,500 | $52,000 | — |
| 2016 | $5,500 | $46,500 | — |
| 2015 | $10,000 | $41,000 | — |
| 2014 | $5,500 | $31,000 | — |
| 2013 | $5,500 | $25,500 | — |
| 2012 | $5,000 | $20,000 | — |
| 2011 | $5,000 | $15,000 | — |
| 2010 | $5,000 | $10,000 | — |
| 2009 | $5,000 | $5,000 | — |
Footnote: Your room is shown only for the selected tax year (2026); other years show — because we use your total contributions to date, not per-year history.
This is an estimate based on your inputs. Use your own financial records; CRA updates My Account annually in the spring. Official room: CRA contribution room. Verify with your financial institution. Not tax or financial advice.
How it works
About this calculator
This calculator estimates your TFSA contribution room using CRA rules. Room is the annual limit plus unused room and prior-year withdrawals, minus current-year contributions. Use it with your own records; CRA updates My Account once per year in the spring. Results are for illustration only and do not constitute tax advice.
How this is calculated
Per CRA, your available contribution room is:
TFSA dollar limit for the year + unused room from previous years + withdrawals made in the previous year − contributions made this year
The TFSA dollar limit for 2026 is CA$7,000. Room accumulates each year you are 18+ and a Canadian resident (from 2009 onward). If you came to Canada after 2009, your first year of eligibility is the year you became a resident. Withdrawals add back to your room on January 1 of the following year. See the CRA contribution room page and worksheet (Form RC343) for the official calculation.
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