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TFSA Growth Calculator

↻ Updated 2026

See how your TFSA could grow tax-free — using the 2026 contribution limit, your time horizon and expected returns. All growth and withdrawals inside a TFSA are completely tax-free.

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

Your inputs
Starting balance
Annual contribution
2026 TFSA limit: $7,000/yr
Expected annual return
Years invested
Tax-free balance
$426,970
after 25 years
You contributed
$185,000
total paid in
Tax-free growth
$241,970
never taxed
TFSA growth6% · 25 yr
todayyear 25
Contributions vs tax-free growth
Contributions$185,000
Tax-free growth$241,970
ASSUMPTIONS — Contributions are capped at the 2026 TFSA limit of $7,000 per year and added at the start of each year; growth compounds annually. All growth and withdrawals inside a TFSA are completely tax-free. Returns are assumed constant — real markets vary. Contributing beyond your available room triggers a 1% monthly penalty.

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.