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TFSA Contribution Room Calculator

Work out how much you can put in your TFSA this year: the 2026 annual limit of $7,000, plus any unused room you've carried forward, plus amounts you withdrew last year (which come back January 1). Then compare TFSA against RRSP in the full calculator.

Your room

$
$
Your 2026 TFSA room
CA$7,000
limit + carry-forward + withdrawals
2026 annual limit
CA$7,000

The numbers

Room from last year's withdrawalsCA$0
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How it's calculated

Our methodology & 2026 data sources →

Frequently asked questions

What's the TFSA limit for 2026?
$7,000 — unchanged for three straight years. If you've never contributed and have been eligible since TFSAs first launched, your cumulative room is much higher; check CRA My Account for your exact figure.
When does withdrawn room come back?
Withdrawals are added back to your room on January 1 of the following year — not immediately. Re-contributing too early can cause an over-contribution penalty.

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