Canada·Calculators·CA TFSA contribution room

TFSA contribution room estimate

Cumulative room since the holder turned 18, plus prior-year withdrawals restored on January 1, minus contributions. Current-year withdrawals are shown separately and do not reduce room.

Your numbers

First eligible year

2009-2026

Current year

2009-2026

Contributions made

$CAD

Prior-year withdrawals

$CAD

Current-year withdrawals

$CAD

Available TFSA room for 2026:

CA$109,000

Cumulative $109,000 minus contributions (current-year withdrawals are added back next January)

Cumulative limits since 2009CA$109,000

Restored prior-year withdrawalsCA$0

Contributions−CA$0

Current-year withdrawals (restored next January)CA$0

Available roomCA$109,000

Holder was an adult resident for every year from firstEligibleYear through currentYear. Room begins in the year the holder turns 18. A withdrawal made in the current year is restored only on January 1 of the next year. No over-contribution penalty is calculated.

Source: Canada Revenue Agency: TFSA dollar limits and contribution-room definition · Rules for 2026 · https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/contributing/before.html · Checked 2026-09-22Using Canadian rules

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Tax-Free Savings Account: what the TFSA contribution room means

The TFSA annual limit is $7,000 for 2026. Unused contribution room carries forward, and any amount withdrawn is restored as new room on January 1 of the following year.

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