TFSA contribution room
You get TFSA room every year from the year you turn 18 (and are a Canadian resident), whether or not you open an account. Withdrawals are added back the next January 1.
Assumptions
- Annual limits: $5,000 (2009–2012), $5,500 (2013–2014), $10,000 (2015), $5,500 (2016–2018), $6,000 (2019–2022), $6,500 (2023), $7,000 (2024–2026). Total since 2009: $109,000.
- Room starts the later of 2009, the year you turned 18, or the year you became resident. Years as a non-resident are not excluded here.
- 2026 withdrawals are added back in 2027. CRA My Account shows your official room.
General information, not financial advice. This calculator gives rough estimates from simplified assumptions. It does not know your full situation. Check with a qualified professional and the official sources before making decisions.
Sources
Figures checked October 16, 2026. Rules and limits change; confirm with the source before acting.