TFSA contribution room calculator
Enter your birth year and what you have put in. This accrues room from the later of 2009 and the year you turned 18, and separates withdrawals that are already back in your room from the ones that are not.
Worked example — Room if you've never contributed: $109,000. Turned 18 by 2009, the TFSA's first year, and resident since
Never contributed: Turned 18 by 2009, the TFSA’s first year, and never opened an account: the full lifetime room.
Advanced options 3
Within your limitAnnual TFSA limit by year, 2009-2026
Contribution room accrues for every year from the later of 2009 and the year you turned 18, whether or not you had an account open. Unused room never expires.
| Year | Annual limit | Cumulative from 2009 |
|---|---|---|
| 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 |
How much TFSA room do I have if I've never contributed?
Your lifetime room is the sum of every annual limit from the year you turned 18 (or 2009, whichever is later) through 2026, assuming you have been a Canadian resident the whole time and have never opened an account.
| Born | Lifetime room if never contributed |
|---|---|
| 1991 | $109,000 |
| 1995 | $89,000 |
| 2000 | $57,000 |
| 2005 | $27,500 |
| 2008 | $7,000 |
TFSA over-contribution penalty by month
There is no cushion on a TFSA: the first dollar over your limit is a taxed dollar, at 1% of the highest excess in each month, with no proration for a part month.
| Excess | 1 mo | 3 mo | 6 mo | 12 mo |
|---|---|---|---|---|
| $1,000 | $10 | $30 | $60 | $120 |
| $5,000 | $50 | $150 | $300 | $600 |
| $10,000 | $100 | $300 | $600 | $1,200 |
TFSA withdrawal: last year vs this year
The same $10,000 withdrawal has opposite effects depending on when it happened, on a TFSA maxed at $109,000 of lifetime contributions. This is the calculator's own differentiator: a tool that asks for "total withdrawals" in one box cannot show this difference.
| When withdrawn | Room available today |
|---|---|
| Prior year (already restored) | $10,000 |
| This year (not restored until 1 January) | $0 |
This does not model becoming or ceasing to be a resident part way through a year, non-resident contributions, or the treatment of a TFSA on death or marriage breakdown. Next: work out whether the money belongs in a TFSA at all with the RRSP versus TFSA calculator.
Where these numbers come from
These official sources govern the figures and rules used on this page. They were re-verified on 9 August 2026. Registered-account and tax rules can change, so re-check the linked government guidance before acting.
- CRA — Contributing to a TFSA TFSA annual dollar limits, how room accrues and how withdrawals are restored
This is general publishing, not tax advice, and it does not know your circumstances. Your own contribution room is on your CRA notice of assessment and in My Account, which is the number that governs.
The next question after this one
RRSP vs TFSA calculatorCalculatorYou know the room. This decides whether the money belongs in it, solved as the retirement tax rate at which the two wrappers tie.Open nextOther questions
- Continue through CPP, OAS, RRSP, and RRIF decisionsCanadian retirement pathTFSA room is one part of a Canadian retirement plan. Continue to the account sequence that links room, withdrawal rules, CPP timing, and the OAS clawback.
- Compound interest calculatorCalculatorWhat the sheltered balance actually becomes, which is the reason the room is worth filling in the first place.
All 130 calculatorsHow JMM sources and checks its numbersWhat stays free, and what early access would add
What Pro adds here
Contribution tracking across TFSA, RRSP and FHSA in one place, with the withdrawal restoration dates worked out for you. The launch list sends one email at launch.