# TFSA Contribution Room Calculator 2026 > Work out your 2026 TFSA contribution room from your birth year, every annual limit since 2009, your contributions and your withdrawals. Source: https://trykosh.com/tools/tfsa-contribution-room-calculator Free tool - RRSP, TFSA, FHSA and RESP # TFSA contribution room calculator Add up every TFSA limit you've been eligible for since 2009, subtract what you've put in and add back past withdrawals to see the room you have today. Rules checked 31 October 2026Free - no sign-upRuns in your browser TFSA room available in 2026 $79,000 Eligible since 2009 Total limits since 2009**$109,000** Room on Jan 1, 2027**$86,000** 2026 annual limit**$7,000** Annual limits since you became eligible $109,000 Less contributions −$30,000 Plus withdrawals in earlier years $0 Room now $79,000 TFSA annual limits that count for you Year Annual limit Cumulative 2009 $5,000 $5,000 2010 $5,000 $10,000 2011 $5,000 $15,000 2012 $5,000 $20,000 2013 $5,500 $25,500 2014 $5,500 $31,000 2015 $10,000 $41,000 2016 $5,500 $46,500 2017 $5,500 $52,000 2018 $5,500 $57,500 2019 $6,000 $63,500 2020 $6,000 $69,500 2021 $6,000 $75,500 2022 $6,000 $81,500 2023 $6,500 $88,000 2024 $7,000 $95,000 2025 $7,000 $102,000 2026 $7,000 $109,000 Room assumes a $7,000 limit for 2027, which the CRA confirms each fall. Your exact figure is in CRA My Account; it may lag recent contributions. ## Let Kosh do this with your real numbers. Kosh reads your statements, tracks your RRSP, TFSA and FHSA room, and tells you which account to fill first and when, so no refund or grant is left on the table. Start with a free money checkup; Kosh Pro is CA$19 a month after a 7-day free trial. [Start free](/signup?via=tool-tfsa-contribution-room-calculator) ## How the TFSA contribution room calculator works You start earning TFSA room in the year you turn 18 (or 2009, when TFSAs began, or the year you became a Canadian resident, whichever is latest). Each year adds that year's limit, $7,000 for 2026, and unused room carries forward forever. Contributions use up room. Withdrawals don't give it back right away: the amount is added to your room on January 1 of the next year. The table lists every annual limit that counts for you, with the running total, so you can check the figure against CRA My Account. Room = sum of annual limits since eligible − total contributions + withdrawals before this year ## Worked example: Chloé, born in 1995 Chloé turned 18 in 2013, so limits from 2013 to 2026 add up to $89,000. She has contributed $40,000 and withdrew $5,000 in an earlier year, which came back as room. She can contribute $54,000 in 2026. TFSA room available in 2026 $54,000 Eligible since 2013 Total limits since 2013**$89,000** Room on Jan 1, 2027**$61,000** 2026 annual limit**$7,000** Annual limits since you became eligible $89,000 Less contributions −$40,000 Plus withdrawals in earlier years $5,000 Room now $54,000 Room assumes a $7,000 limit for 2027, which the CRA confirms each fall. Your exact figure is in CRA My Account; it may lag recent contributions. [Load this example into the calculator ->](?born=1995&contributed=40000&withdrawnBefore=5000#calculator) ## Good to know - Someone who was 18 or older and a resident in 2009 has $109,000 of total room in 2026 if they've never contributed. - Over-contributing costs 1% a month on the highest excess amount until it's withdrawn. - Re-contributing a withdrawal in the same year uses new room; wait until January 1 if you don't have spare room. - CRA My Account can lag recent transactions, so keep your own record. ## Frequently asked questions What is the TFSA limit for 2026? $7,000. Unused room from earlier years carries forward, so your total room may be much higher. When does a TFSA withdrawal give me room back? On January 1 of the year after you withdraw. Withdraw $5,000 in 2026 and that $5,000 is added to your room in 2027. Do investment gains use up TFSA room? No. Room is based on contributions and withdrawals, not on how the investments do. Growth inside the account doesn't count against your limit. ## Sources and assumptions - [CRA: Tax-Free Savings Account](https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account.html) - [CRA: RRSP, TFSA and other registered plan limits](https://www.canada.ca/en/revenue-agency/services/tax/registered-plans-administrators/pspa/mp-rrsp-dpsp-tfsa-limits-ympe.html) Rules and rates last checked on 31 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not registered with any Canadian securities regulator as an adviser or dealer, does not recommend specific securities, and does not hold your money or execute trades. Tax figures are estimates; confirm with the CRA or a qualified professional before acting. Investing carries risk.