TFSA Contribution Room Calculator
Find out how much you can contribute to your TFSA in 2026 and project tax-free growth.
TFSA Contribution Room Calculator
Find out how much contribution room you have in your Tax-Free Savings Account.
TFSA eligibility starts the year you turn 18
All TFSA contributions across all accounts
Only withdrawals made in previous years count
TFSA room only accumulates while you are a Canadian resident
TFSA annual contribution limits
TFSA Contribution Limits by Year
If you have been eligible since TFSA began in 2009 and have never contributed, your total room as of 2026 is $109,000.
| Year | Annual Limit | Cumulative Limit |
|---|---|---|
| 2009–2012 | $5,000/yr | $20,000 |
| 2013–2014 | $5,500/yr | $31,000 |
| 2015 | $10,000 | $41,000 |
| 2016–2018 | $5,500/yr | $57,500 |
| 2019–2022 | $6,000/yr | $81,500 |
| 2023 | $6,500 | $88,000 |
| 2024–2025 | $7,000/yr | $102,000 |
| 2026 | $7,000 | $109,000 |
Frequently Asked Questions
How much can I contribute to my TFSA in 2026?
The 2026 TFSA annual limit is $7,000. If you have never contributed and were eligible since 2009, your total room is $109,000 (plus any withdrawn amounts are re-added January 1 of the following year).
Can I contribute to TFSA at 18?
Yes, Canadian residents who are 18+ can open a TFSA and contribute. If you turned 18 before 2009, your room started in 2009. If you turned 18 after 2009, your room started the year you turned 18.
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