TFSA Contribution Room Calculator (Canada 2026)
Calculate your 2026 TFSA contribution room in seconds — immigrant-aware: room accrues from your year of Canadian residency. Free over-contribution check.
Room starts the year you turn 18 (earliest 2009).
Every dollar you have ever put into any TFSA.
Withdrawn in — added back to your room this year.
No TFSA room yet
You start accruing in
You must be 18 and a Canadian resident.
Contribution room left · 🇨🇦
$0
⚠️ Over-contributed ·
$0
above your limit — this is penalized (see below)
$
Room accrued
$
Contributed
$
Re-added
⚠️ You are over your TFSA limit by $
The CRA charges a penalty tax of 1% per month on the highest excess amount in each month it stays in your account — roughly $/month (about $/year) at this level. Withdraw the excess as soon as possible to stop the clock, and note that re-added room only returns on January 1 of next year.
| Year | Limit | Status | Cumulative |
|---|---|---|---|
| ✓ +$ | |||
| Total room accrued | |||
Planning estimate — tax year. Room accrues from the later of 2009, the year you turned 18, and the year you became a Canadian resident, using the official annual limits ($5,000 in 2009–2012, $5,500 in 2013–2014, $10,000 in 2015, $5,500 in 2016–2018, $6,000 in 2019–2022, $6,500 in 2023, and $7,000 in 2024–2026 — $109,000 total for someone eligible every year since 2009). It assumes you stayed a resident once you arrived and does not model mid-year residency changes, prior-year over-contributions, or non-resident contribution penalties. Always confirm your exact room in CRA My Account before contributing — the CRA figure is the one that counts.
Why you’ll love TFSA Contribution Room Calculator (Canada 2026)
Instant & free
No signup, no paywall, no limits — TFSA Contribution Room Calculator (Canada 2026) works the moment the page loads.
Completely private
Everything runs in your browser. Nothing you enter is ever uploaded or stored on a server.
Works on any device
Fully responsive and touch-friendly — use it on your phone, tablet or desktop.
Accurate & clear
Built on the real formulas, with a breakdown you can actually trust.
How to use it
Open it
No download and no login — the tool is ready right at the top of this page.
Use it
Enter your details or start interacting. Everything updates live as you go.
Get your result
Copy, download or share your result in a single tap. That’s it.
About TFSA Contribution Room Calculator (Canada 2026)
This TFSA contribution room calculator works out how much you can put into your Tax-Free Savings Account this year — entirely in your browser, so your numbers are never uploaded or stored. Enter your birth year, the year you became a Canadian resident, everything you have contributed so far, and any amount you withdrew last year, and it returns your total accrued room, the room you have left, and a clear over-contribution warning.
What sets it apart is that it is immigrant-aware. TFSA room does not simply start in 2009 for everyone — it begins in the later of 2009, the year you turned 18, and the year you became a Canadian resident. Newcomers to Canada often over-estimate their room by assuming they get the full cumulative amount ($109,000 in 2026 for someone eligible every year since 2009), when in reality their room only starts accruing from their year of arrival. The year-by-year table shows exactly which years count and which are skipped for being under 18 or non-resident.
The calculator uses the official Canada Revenue Agency annual dollar limits: $5,000 for 2009 through 2012, $5,500 for 2013 and 2014, $10,000 for 2015, $5,500 for 2016 through 2018, $6,000 for 2019 through 2022, $6,500 for 2023, and $7,000 for 2024, 2025 and 2026. It also adds back any amount you withdrew last year, because TFSA withdrawals are restored to your contribution room on January 1 of the following year.
Treat the result as an accurate planning estimate rather than an official figure. The number the CRA shows in My Account is the one that governs penalties, and it can lag by a few months or differ if you have complex history such as prior over-contributions, transfers between institutions, or periods of non-residency. Always confirm your exact room with the CRA before making a large contribution.
Popular uses
Frequently asked questions
Your room starts accruing in the later of 2009, the year you turned 18, and the year you became a resident of Canada for tax purposes. You do not get room for any year before you arrived. For example, someone who became a resident in 2023 as an adult only accrues the 2023, 2024, 2025 and 2026 limits — $27,500 — not the full $109,000 cumulative amount. This calculator applies that rule automatically once you enter your residency start year.
For someone who was at least 18 and a Canadian resident every year since the TFSA launched in 2009, total accrued room in 2026 is $109,000. That is the sum of every annual limit from 2009 to 2026. If you turned 18 later, or became a resident later, your total will be lower — the calculator adds up only the years you were actually eligible.
The CRA charges a penalty tax of 1% per month on the highest excess amount for every month it stays in your account. The calculator flags this the moment your contributions exceed your room and estimates the monthly and annual penalty. To stop the penalty, withdraw the excess as soon as possible — but remember that the room from that withdrawal only comes back on January 1 of the next year, so re-contributing in the same year can make the problem worse.
Yes, but not immediately. Any amount you withdraw is added back to your contribution room on January 1 of the following year — not in the year you withdraw it. That is why this calculator asks for withdrawals made last year: those amounts are restored to your room for the current year. Withdrawing and re-contributing within the same calendar year, without enough existing room, is a common cause of accidental over-contribution.
It is a close estimate based on the official annual limits and the standard eligibility rules, but the authoritative figure is the one in your CRA My Account. The CRA number can differ if you have prior-year over-contributions, in-kind transfers, or years of non-residency that this tool does not model. Use this calculator to plan and sanity-check, then confirm the exact amount with the CRA before contributing a large sum.
TFSA Contribution Room Calculator (Canada 2026) is 100% free — no signup, no watermarks and no usage limits. It’s one of 200+ free tools we build and give away.
It uses the standard formulas and shows its working, so you can verify every number. For big decisions, treat the result as a reliable estimate.
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