Tax-Free Savings Account · 2026 tax year
TFSA contribution room calculator
Enter your birth year and how much you have already contributed. The calculator accrues every CRA annual limit since you turned 18, then shows how much room you have left this year.
- $7,000
- 2026 annual room
- $109,000
- max if eligible since 2009
- 18
- years of limits
Your 2026 estimate
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Available contribution room
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Lifetime room accrued
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2026 new annual room
Added even if you already contributed this year
Uses CRA statutory annual limits (2026 annual room $7,000 from the live limits table). Assumes you were a Canadian resident every year since eligibility and ignores non-resident years, attribution rules, and the 1% over-contribution penalty mechanics. Confirm your exact room in CRA My Account before a large catch-up contribution. See the year-by-year limit table and methodology.
How TFSA room is calculated
Every year you are 18 or older and a Canadian resident, you gain a new slice of contribution room equal to that year's CRA limit. Unused room carries forward indefinitely. Withdrawals free up room, but only in the following calendar year. Re-contributing in the same year you withdrew is a common over-contribution trap. This tool sums the statutory limits from your first eligible year through 2026, subtracts lifetime contributions, and adds withdrawals from 2025.
Need RRSP tax savings instead? Open the RRSP tax savings calculator →
Every figure on PlainRRSP is rendered directly from official Canada Revenue Agency registered-plan limits and each province's published marginal-rate schedule, no number is typed in by an editor. Annual limits are CRA statutory figures; the current year's ceiling is queried live from the registered-plan limits table. See our editorial standards & corrections policy, the methodology behind these numbers, the public data change log, or report a data error. Data current as of 2026 tax year.