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. “Resident” means resident for TAX purposes, not immigration status: work permit and study permit holders qualify once they’re Canadian tax residents (SIN starting with 9 is fine) — PR is not required. And no, you don’t need a TFSA account open for room to build: it accumulates automatically from your first qualifying year, even if you open your first account today.
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. ⚠ Withdrew money this year? That room does not come back until Jan 1, 2027 — re-depositing it before then can trigger CRA’s 1%/month over-contribution penalty unless you have unused room.

Your Results

Fill in your details and press Calculate My Room.
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. Same-year re-deposits of withdrawn money count as NEW contributions — withdrawn room only returns the following January 1. If you leave Canada, room stops accruing for full non-resident years — and contributing while non-resident triggers a 1%/month penalty.

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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.