TFSA Contribution Room Calculator (Canada 2026)
Calculate your 2026 TFSA contribution room in seconds — immigrant-aware: room accrues from your year of Canadian residency. Free over-contribution check.
Room starts the year you turn 18 (earliest 2009).
Every dollar you have ever put into any TFSA.
Withdrawn in — added back to your room this year.
No TFSA room yet
You start accruing in
You must be 18 and a Canadian resident.
Contribution room left · 🇨🇦
$0
⚠️ Over-contributed ·
$0
above your limit — this is penalized (see below)
$
Room accrued
$
Contributed
$
Re-added
⚠️ You are over your TFSA limit by $
The CRA charges a penalty tax of 1% per month on the highest excess amount in each month it stays in your account — roughly $/month (about $/year) at this level. Withdraw the excess as soon as possible to stop the clock, and note that re-added room only returns on January 1 of next year.
| Year | Limit | Status | Cumulative |
|---|---|---|---|
| ✓ +$ | |||
| Total room accrued | |||
Planning estimate — tax year. Room accrues from the later of 2009, the year you turned 18, and the year you became a Canadian resident, using the official annual limits ($5,000 in 2009–2012, $5,500 in 2013–2014, $10,000 in 2015, $5,500 in 2016–2018, $6,000 in 2019–2022, $6,500 in 2023, and $7,000 in 2024–2026 — $109,000 total for someone eligible every year since 2009). It assumes you stayed a resident once you arrived and does not model mid-year residency changes, prior-year over-contributions, or non-resident contribution penalties. Always confirm your exact room in CRA My Account before contributing — the CRA figure is the one that counts.
Why you’ll love TFSA Contribution Room Calculator (Canada 2026)
Instant & free
No signup, no paywall, no limits — TFSA Contribution Room Calculator (Canada 2026) works the moment the page loads.
Completely private
Everything runs in your browser. Nothing you enter is ever uploaded or stored on a server.
Works on any device
Fully responsive and touch-friendly — use it on your phone, tablet or desktop.
Accurate & clear
Built on the real formulas, with a breakdown you can actually trust.
How to use it
Open it
No download and no login — the tool is ready right at the top of this page.
Use it
Enter your details or start interacting. Everything updates live as you go.
Get your result
Copy, download or share your result in a single tap. That’s it.
Frequently asked questions
TFSA Contribution Room Calculator (Canada 2026) is 100% free — no signup, no watermarks and no usage limits. It’s one of 200+ free tools we build and give away.
It uses the standard formulas and shows its working, so you can verify every number. For big decisions, treat the result as a reliable estimate.
Completely. TFSA Contribution Room Calculator (Canada 2026) runs entirely in your browser (client-side). Nothing you type, upload or generate is sent to our servers, so your data never leaves your device.
No. It works instantly in any modern web browser — Chrome, Safari, Edge or Firefox — on desktop and mobile.
Yes. The tool is fully responsive and touch-friendly, so it works great on phones and tablets as well as computers.
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