How much TFSA room do I have? If you were 18 and living in Canada, you have been earning room since 2009 — or since the year you turned 18. Add up the annual limits, subtract what you put in, and add back withdrawals from earlier years. This calculator does that, including the rule that this year’s withdrawals only come back on January 1.
If you were eligible since 2009, your cumulative maximum room is $109,000. That is the total room you have earned by 2026, before contributions and withdrawals.
How much TFSA room do I have?
Enter the year you turned 18, then press “Calculate my TFSA room”.
The 2027 annual TFSA limit has not yet been published by CRA, so it is not included in the January 1, 2027 figure. Confirm your exact room in CRA My Account.
How TFSA room is calculated
You start earning TFSA room in 2009 or the year you turned 18, whichever is later, and only in years you were a resident of Canada. The annual limits are: 2009 to 2012 $5,000 a year, 2013 to 2014 $5,500, 2015 $10,000, 2016 to 2018 $5,500, 2019 to 2022 $6,000, 2023 $6,500, and 2024 to 2026 $7,000 a year.
If you were eligible since 2009, your cumulative maximum room is $109,000. That is the total room you have earned, before contributions and withdrawals.
Withdrawals work on a delay. Money you took out in an earlier year is added back to your room on January 1 of the next year. Money you take out in 2026 is not added back until January 1, 2027 — so a withdrawal this year does not change your room today.
Years you were not a resident of Canada earn no room. This calculator removes the earliest eligible years for each non-resident year you enter. If your non-resident years were different years, check your exact room in CRA My Account.
The 2027 annual limit has not yet been published by CRA. This page does not guess it — the January 1, 2027 figure is your room from withdrawals plus the unpublished 2027 limit.
Confirm your room in CRA My Account: CRA’s records are the official numbers — use this calculator as a check, not as a substitute for your My Account balance.
Frequently asked questions
How much TFSA room do I have if I was eligible since 2009?
$109,000 in total room earned by 2026, before contributions and withdrawals. That is $5,000 a year for 2009 to 2012, $5,500 for 2013 and 2014, $10,000 for 2015, $5,500 for 2016 to 2018, $6,000 for 2019 to 2022, $6,500 for 2023, and $7,000 a year for 2024 to 2026.
When do my withdrawals add room back?
Withdrawals from earlier years are already in your room today. Withdrawals you make in 2026 are added back on January 1, 2027, along with the 2027 annual limit.
What is the TFSA limit for 2027?
It has not yet been published by CRA. This calculator shows your January 1, 2027 room without it, and it will be added once CRA announces it.
What if I lived outside Canada for some years?
You do not earn TFSA room in years you were not a resident of Canada. Enter the number of non-resident years and the calculator removes them from your earliest eligible years.
What happens if I contribute more than my room?
Over-contributions can be taxed at 1% per month on the excess, until it is withdrawn. If this calculator shows you are over your room, check your exact room in CRA My Account before contributing more.
Methodology and sources
Methodology: Annual TFSA dollar limits are published by the Canada Revenue Agency (CRA). Room starts in 2009 or the year you turned 18, whichever is later, and only accrues in years you were a resident of Canada. Withdrawals are added back on January 1 of the year after the withdrawal. This calculator assumes no TFSA-to-TFSA transfers or other adjustments — confirm your exact room in CRA My Account.
Source: Canada Revenue Agency (CRA) — Tax-free Savings Account (TFSA)
2026 rules · Verified November 9, 2026
How we keep this calculator honest: This calculator is built on the CRA’s published TFSA annual limits. Limits are re-checked regularly, and every rate and rule on this site is dated.
Your numbers never leave this page. This calculator runs entirely in your browser — nothing you enter is stored or sent anywhere.
General information only — not financial advice. Your exact TFSA room is the figure in CRA My Account.
Related tools
Not sure whether a TFSA or an RRSP is better for you? Read RRSP vs TFSA: The Two Tax Rates That Decide Everything, or try the FHSA Calculator if you are saving for a first home. To project how your savings can grow, use the Compound Interest Calculator.