Tools
TFSA contribution room
Estimate your cumulative TFSA contribution room based on your birth year.
Prepared by Groupe Conseil Sabin Painchaud
Prepared on September 21, 2026
TFSA parameters
TFSA parameters
109 000 $
Accrued room (2026)
109 000 $
Remaining room
7 000 $
2026 limit
Eligible since 2009 (the year you turned 18, or 2009). Unused room carries forward indefinitely, and withdrawals are added back to your room the following calendar year.
Cumulative contribution room
Estimate based on annual limits and assuming Canadian residency since age 18. Does not account for over-contributions or withdrawals already added back. Indicative result — confirm your exact room in CRA “My Account” or with your advisor.
Calculation assumptions
- Official annual limits known through 2026 inclusive ($7,000); to be revised once the 2027 limit is announced.
- Cumulative contribution room adds up the official annual limit for each year since eligibility (age 18, or 2009 if born earlier).
- Canadian residency is assumed continuous since eligibility; no non-residency years are deducted.
- Over-contributions already made and withdrawals already added back to room are not taken into account.
- The most recently known annual limit is carried forward for future years, as an assumption only.
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