Tools
TFSA Contribution Room Calculator
Find out exactly how much TFSA room you have — accounting for your birth year, when you became a Canadian tax resident, any years abroad, and your contribution and withdrawal history.
Important: TFSA room is based on tax residency — not citizenship
Permanent residents, international students, and temporary workers can all accumulate TFSA room if they are Canadian tax residents. You do NOT need to be a citizen. Room does not accumulate during years you were a non-resident of Canada.
Your Details
For immigrants: the year you moved to Canada and established residential ties (filed a tax return, had a home, bank account, etc.). For citizens born here, this is typically before 2009.
Sum of all deposits ever made to your TFSA accounts.
Withdrawals made in previous calendar years are re-added to your room on Jan 1 of the following year. Don't include this year's withdrawals.
Canadian Citizen
You accumulate TFSA room for every year you are 18+ and a Canadian resident.
Lifetime Room Accumulated
$109,000
Eligible from 2009
Available Room Now
$109,000
You can contribute this amount today
Room Used
$0
0% of lifetime room
⚠️2026 limit ($7,000) is unconfirmed — CRA typically announces in the fall.
Year-by-year accumulation
Eligible years: 18
| Year | Status | Annual Limit | Room Added | Cumulative Room |
|---|---|---|---|---|
| 2009 | ✓ Resident | $5,000 | $5,000 | $5,000 |
| 2010 | ✓ Resident | $5,000 | $5,000 | $10,000 |
| 2011 | ✓ Resident | $5,000 | $5,000 | $15,000 |
| 2012 | ✓ Resident | $5,000 | $5,000 | $20,000 |
| 2013 | ✓ Resident | $5,500 | $5,500 | $25,500 |
| 2014 | ✓ Resident | $5,500 | $5,500 | $31,000 |
| 2015 | ✓ Resident | $10,000 | $10,000 | $41,000 |
| 2016 | ✓ Resident | $5,500 | $5,500 | $46,500 |
| 2017 | ✓ Resident | $5,500 | $5,500 | $52,000 |
| 2018 | ✓ Resident | $5,500 | $5,500 | $57,500 |
| 2019 | ✓ Resident | $6,000 | $6,000 | $63,500 |
| 2020 | ✓ Resident | $6,000 | $6,000 | $69,500 |
| 2021 | ✓ Resident | $6,000 | $6,000 | $75,500 |
| 2022 | ✓ Resident | $6,000 | $6,000 | $81,500 |
| 2023 | ✓ Resident | $6,500 | $6,500 | $88,000 |
| 2024 | ✓ Resident | $7,000 | $7,000 | $95,000 |
| 2025 | ✓ Resident | $7,000 | $7,000 | $102,000 |
| 2026est. | ✓ Resident | $7,000 | $7,000 | $109,000 |
Key TFSA rules to remember
- →Over-contributions are penalized at 1% per month on the excess amount. Always verify your room with CRA My Account before contributing.
- →Withdrawals are re-added to your room on January 1 of the following year — not immediately.
- →Non-residents do not accumulate new room. Contributing while a non-resident triggers a 1% per month penalty on that contribution.
- →Multiple TFSAs are fine — your room is a single lifetime total across all accounts at all institutions.
- →New immigrants — your room starts accumulating from the year you became a Canadian tax resident, even if you weren't yet a PR or citizen.
This calculator provides an estimate based on the information you enter. Always verify your exact TFSA room on CRA My Account or by calling 1-800-959-8281. Not financial or tax advice.
How TFSA room works
01
Eligibility starts at 18
You accumulate TFSA room starting the year you turn 18 — not when you open an account. If you never opened a TFSA, the room has been building silently since then.
02
Residency, not citizenship
TFSA room is based on being a Canadian tax resident. Permanent residents, international students, and temporary workers can all accumulate room — you don't need a passport.
03
Withdrawals come back
Unlike an RRSP, TFSA withdrawals are re-added to your room on January 1 of the following year. You never permanently lose room — you just can't re-contribute until next year.
Also try
TFSA annual limits — 2009 to 2026
2009
$5,000
2010
$5,000
2011
$5,000
2012
$5,000
2013
$5,500
2014
$5,500
2015
$10,000
2016
$5,500
2017
$5,500
2018
$5,500
2019
$6,000
2020
$6,000
2021
$6,000
2022
$6,000
2023
$6,500
2024
$7,000
2025
$7,000
2026
$7,000*
* 2026 limit unconfirmed — based on CPI indexation estimate. Cumulative lifetime room if eligible since 2009: $109,000.
Frequently asked questions
I immigrated mid-year — do I get the full year's room? Yes. The CRA grants the full annual limit for any calendar year in which you were a resident, even if you arrived mid-year. You don't get a prorated amount.
I was an international student — did I accumulate room? Generally yes, if you filed Canadian tax returns and had residential ties (lease, bank account, etc.). Room accumulated for every eligible year you were a tax resident, even on a study permit.
What happens if I leave Canada? You keep your existing room — it doesn't disappear. But you stop accumulating new room during non-resident years. Any contributions made while a non-resident are taxed at 1%/month until withdrawn.
How do I confirm my exact room? Log in to CRA My Account — it shows your exact room updated after each tax filing. This calculator is an estimate; always verify before contributing large amounts.