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Tools · TFSA room calculator

How much TFSA room is yours?

Every year since 2009, Canadians have been given new tax-free room. It adds up even if you never opened an account. Pick your year and see the total.

BetaAn estimate, not your CRA numberYour numbers stay on your deviceEducational, not financial advice

Your numbers

Change either one. The result updates right away.

Moved to Canada as an adult? Pick the year you became a resident instead.

$

Everything you have deposited, minus withdrawals made in earlier years. Leave it at 0 if you have never used a TFSA.

Total room, if never used
$109,000

That is 18 years of room, from 2009 to 2026.

Total room so far
$109,000
2009 to 2026
You have put in
$0
None of your room used
New room for 2026
$7,000
Added on January 1
The TFSA limit for each year
YearNew roomYour total so far
2009$5,000$5,000
2010$5,000$10,000
2011$5,000$15,000
2012$5,000$20,000
2013$5,500$25,500
2014$5,500$31,000
2015$10,000$41,000
2016$5,500$46,500
2017$5,500$52,000
2018$5,500$57,500
2019$6,000$63,500
2020$6,000$69,500
2021$6,000$75,500
2022$6,000$81,500
2023$6,500$88,000
2024$7,000$95,000
2025$7,000$102,000
2026$7,000$109,000

Adds up CRA's yearly TFSA dollar limits from the year you pick. It assumes you were 18 or older and a resident of Canada in every one of those years.

How to read this

Your TFSA room starts the year you turn 18, as long as you are a resident of Canada. A new amount is added every January. Room you don't use carries forward, with no deadline.

Money you take out is not lost room. The amount you withdraw is added back on January 1 of the next year. If you put it back sooner and have no other room left, that counts as going over.

This calculator only adds up the yearly limits. It cannot see your accounts. Your real number is the one CRA has, and even that can lag, because banks report last year's deposits and withdrawals early in the new year.

Your move · 5 minutes

Find your real number

  1. Sign in to CRA My Account and find your TFSA contribution room.
  2. CRA's figure is as of January 1. Subtract anything you have deposited since then.
  3. Write the result where you will see it. That is the space you can fill.
Go deeperLesson: TFSA room, exactlyQuiz: Which account first?Tool: Growth calculatorSee your room as tree ringsAll tools
Now fill it, one Sunday at a time

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