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TFSA Contribution Room Calculator

↻ Updated 2026

Work out your available TFSA contribution room — your cumulative limit since 2009 (or the year you turned 18), less what you've contributed, plus any withdrawals added back. Everything runs in your browser.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs
Birth year
TFSA room accumulates from 2009 (later of 2009 or the year you turn 18)
Total contributed to date
Total withdrawn (prior years)
Withdrawals are added back to your room the following year
Available room
$89,000
as of 2026
Cumulative room
$109,000
since 2009
Contributed to date
$20,000
what you've paid in
How your room is calculated
Cumulative limits 2009–2026$109,000
Less: total contributed− $20,000
Plus: withdrawals restored+ $0
Available room$89,000
ASSUMPTIONS — Assumes you were a Canadian resident with a valid SIN each year from 2009. TFSA room accrues from the later of 2009 or the year you turn 18, using the CRA annual limits (2009–2012 $5,000; 2013–2014 $5,500; 2015 $10,000; 2016–2018 $5,500; 2019–2022 $6,000; 2023 $6,500; 2024–2026 $7,000). Amounts withdrawn are added back to your room only in the following calendar year — over-contributing in-year triggers a 1% monthly penalty. Confirm your exact room in CRA My Account.

Runs entirely in your browser — nothing you enter is sent to us.How this works

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Sources & rate references

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.