TFSA Contribution Room Estimator (Canada)

Estimate only — not your official room. Your true available room lives in CRA My Account. Over-contributions are penalized at 1% per month on the excess, with no $2,000 buffer like an RRSP. Always confirm before a large deposit.

Your situation

Birth yearRoom starts accumulating the year you turn 18.

First year as a Canadian tax residentNewcomers: only years you were a resident count. If born in Canada, match your 18th-birthday year.

Total contributions to date ($)Everything you've ever put into all your TFSAs combined.

Withdrawals in previous years ($)Withdrawals get re-added to your room the next calendar year. Don't include this year's withdrawals.

Estimated remaining room (2026)

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Cumulative room earned

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Net contributions

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Contributions minus prior-year withdrawals

Room used

—of cumulative room used

How it works

You earn room for every calendar year from the later of (the year you turn 18) and (your first year as a Canadian tax resident), through 2026.
Each year's room is that year's CRA annual limit — see the table below. Unused room carries forward forever.
Withdrawals are added back to your room on January 1 of the following year. Re-contributing a withdrawal in the same year counts as a new contribution.

TFSA annual limits (CRA)

Years	Annual limit
2009 – 2012	$5,000
2013 – 2014	$5,500
2015	$10,000
2016 – 2018	$5,500
2019 – 2022	$6,000
2023	$6,500
2024 – 2026	$7,000

Someone eligible every year since 2009 who never contributed has $109,000 of room in 2026.