Free Canadian Tax Tool · 2026

TFSA Room Calculator

Your total available TFSA contribution room for 2026 — including every annual limit since you became eligible, your contributions, and re-added withdrawals. Especially useful if you’re a newcomer whose room only started accumulating on arrival.

Your Details

TFSA room only accumulates from the later of the two — a common newcomer surprise.
Everything you have ever deposited across all TFSA accounts.
Withdrawals are re-added to your room on Jan 1 of the following year. Do not include 2026 withdrawals.

Your Results

Available TFSA Room for 2026
$0
Cumulative limit since your start year—
Minus: contributions to date—
Plus: withdrawals re-added—
Your contributions exceed your accumulated room — you may be in over-contribution territory. CRA charges 1% per month on the excess. Verify your exact room in CRA My Account and withdraw the excess promptly.
Annual limits used: $5,000 (2009–12), $5,500 (2013–14), $10,000 (2015), $5,500 (2016–18), $6,000 (2019–22), $6,500 (2023), $7,000 (2024–26). Room accumulates only for years you were 18+ AND a Canadian resident.

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Estimates for education only, using 2026 CRA limits ($33,810 RRSP dollar limit) and 2026 federal + provincial tax rates. Not tax, investment, or financial advice. Your exact RRSP deduction limit is on your CRA Notice of Assessment or in CRA My Account. Quebec figures reflect the federal abatement. Consult a qualified professional before acting.