Estimate your available 2026 TFSA contribution room based on your age, Canadian tax residency, past contributions and previous-year withdrawals.
Updated for the 2026 TFSA limit: $7,000
TFSA room starts accumulating in years when you are age 18 or older and a Canadian resident.
This usually means the year Canada became your primary place of residence for tax purposes. It is not the same as the year you became a Canadian citizen or permanent resident. If you are unsure, check your CRA records or the year you began filing as a Canadian resident.
Select the years you were NOT a Canadian residentIf you moved away from Canada and became a non-resident for tax purposes for one or more years, select those years. New TFSA annual room generally does not accumulate for non-resident years.
Include deposits and re-contributions across ALL your TFSAs. Do not include investment growth.
Withdrawals from prior calendar years are generally added back to your TFSA room.
These do not increase your 2026 room. They are generally added back on January 1, 2027.
Important: your TFSA contribution room is shared across all TFSA accounts. Opening multiple TFSAs does not create additional room.
Why residency matters: TFSA contribution room generally accumulates only for calendar years when you were age 18 or older and a resident of Canada for tax purposes. Citizenship or permanent-resident status by itself does not determine TFSA room.
Your estimated 2026 TFSA room
Estimated available contribution room
$0
Eligible statutory room$0
Previous-year withdrawals added back$0
Total contributions entered$0
How we calculated it
Eligible annual TFSA limits$0
Prior-year withdrawals restored$0
Less: all TFSA contributions entered$0
Estimated 2026 room$0
2027 withdrawal impact
2026 withdrawals entered$0
Amount generally restored Jan. 1, 2027$0
This does not include the new 2027 annual TFSA dollar limit, which is not assumed by this 2026 calculator.
Want help deciding what to hold inside your TFSA?
Contribution room is only one part of the decision. We can help review your goals, timeline and investment approach.
This calculator provides an estimate for educational purposes only and is not tax, legal or investment advice. Actual TFSA contribution room depends on your complete residency, contribution and withdrawal history. CRA information may also update after financial institutions report transactions. Before contributing, verify the result against your own records and CRA My Account. Over-contributions may be subject to tax.
