TFSA Contribution Room Calculator
Select when you became a resident of Canada for income tax purposes to estimate your maximum accumulated TFSA room.
Your Information
Estimated maximum TFSA room
$109,000
This is the maximum room if you've never contributed. Your actual room depends on your past contributions and on withdrawals, which are added back the following calendar year.
| Year | Annual Limit | Eligible? | Cumulative Total |
|---|---|---|---|
| 2009 | $5,000 | ✓ | $5,000 |
| 2010 | $5,000 | ✓ | $10,000 |
| 2011 | $5,000 | ✓ | $15,000 |
| 2012 | $5,000 | ✓ | $20,000 |
| 2013 | $5,500 | ✓ | $25,500 |
| 2014 | $5,500 | ✓ | $31,000 |
| 2015 | $10,000 | ✓ | $41,000 |
| 2016 | $5,500 | ✓ | $46,500 |
| 2017 | $5,500 | ✓ | $52,000 |
| 2018 | $5,500 | ✓ | $57,500 |
| 2019 | $6,000 | ✓ | $63,500 |
| 2020 | $6,000 | ✓ | $69,500 |
| 2021 | $6,000 | ✓ | $75,500 |
| 2022 | $6,000 | ✓ | $81,500 |
| 2023 | $6,500 | ✓ | $88,000 |
| 2024 | $7,000 | ✓ | $95,000 |
| 2025 | $7,000 | ✓ | $102,000 |
| 2026 | $7,000 | ✓ | $109,000 |
Disclaimer
This calculator provides an estimate. Calculate your actual TFSA room from your own records and compare it with your financial institution records; CRA My Account may lag recent transactions.
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Use the calculator with our registered account guides before contributing.
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TFSA Calculator: how it works
Based on annual Tax-Free Savings Account (TFSA) dollar limits from 2009 to 2026 published by the Canada Revenue Agency (CRA).
What this calculator does
This tool estimates the maximum Tax-Free Savings Account (TFSA) contribution room you could have accumulated from age and Canadian tax residency. Enter your birth year, residency start, and any non-resident period; it sums the annual limits for eligible years. It does not calculate your actual available room from contributions and withdrawals.
Who should use this
It is for residents of Canada who want an estimate of their TFSA limit before depositing money: newcomers who became eligible part-way through the years, young adults reaching 18, and anyone who has never tracked their cumulative room. It is also useful before moving money between accounts, alongside your CRA My Account and TFSA transaction records.
How to read your results
The result is the maximum room you could have accumulated, assuming you have never contributed. Your actual room depends on every contribution and withdrawal, and withdrawals are added back only on January 1 of the following calendar year. Staying at or under your actual room keeps growth and withdrawals tax-free, while going over it triggers a monthly penalty from the CRA.
Limitations and official sources
This is an estimate based on the tax-residency and age details you enter and assumes no prior contributions. It cannot see your CRA records, contributions, withdrawals, or transfers, and eligibility starts only once you are both 18 and a resident of Canada for income tax purposes. CRA data may lag recent transactions, so confirm the estimate against CRA My Account and your own financial institution records before contributing.
Official sources