UpFront Wealth
2026 Tax Year

TFSA Contribution Room Calculator

Find out exactly how much TFSA room you have, based on your age, contributions, and withdrawals. Better than the CRA phone wait.

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 and never contributed

Your Details

Determines when you turned 18 and started accumulating TFSA room

$

Total amount you've ever deposited into any TFSA

$

Total amount you've withdrawn — this can exceed contributions if your investments grew. Withdrawals restore room the following year based on the amount withdrawn, not the original contribution.

Withdrawals in 2026 won't restore room until January 1, 2027

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