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UpFront Wealth
2026 Tax Year

TFSA Contribution Room Calculator

Estimate your TFSA room from your age, Canadian residency, contributions and withdrawals. Confirm it against your own records before contributing.

All Tools

2026 Annual Limit

$7,000

New room added January 1, 2026

Maximum Cumulative Room

$109,000

For someone who was 18+ in 2009, has lived in Canada every year since and never contributed

Your Details

Room starts in the year you turn 18 (or 2009 if later)

Leave blank if you have lived in Canada since you turned 18 (or since 2009). Years before 2009 make no difference. Years spent as a non-resident after this are not modelled — check CRA if that applies.

$

Every deposit into any TFSA, including this year. Direct transfers between institutions don't count.

$

These have already been added back to your room.

$

Added back on January 1, 2027. Re-contributing them this year uses other unused room.

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