Your Details
You must be 18+ to contribute. If born after 1991, you may not have had access since 2009.
TFSA room only accumulates during years you were a Canadian resident aged 18+.
Withdrawals are re-added to your room in the following January 1st.
Enter the total you've contributed across all TFSA accounts ever.
About TFSA Room
How TFSA room works:
Your contribution room accumulates every year on January 1st if you are: (1) a Canadian resident, (2) at least 18 years old, and (3) have a valid SIN. Unused room carries forward indefinitely.
Your contribution room accumulates every year on January 1st if you are: (1) a Canadian resident, (2) at least 18 years old, and (3) have a valid SIN. Unused room carries forward indefinitely.
Annual TFSA Limits:
2009–2012: $5,000 | 2013–2014: $5,500
2015: $10,000 | 2016–2018: $5,500
2019–2022: $6,000 | 2023: $6,500
2024–2025: $7,000
2009–2012: $5,000 | 2013–2014: $5,500
2015: $10,000 | 2016–2018: $5,500
2019–2022: $6,000 | 2023: $6,500
2024–2025: $7,000
⚠️ Over-contribution penalty:
The CRA charges 1% per month on any over-contribution amount. Always verify your room on My CRA Account before contributing.
The CRA charges 1% per month on any over-contribution amount. Always verify your room on My CRA Account before contributing.
Total Room Accumulated
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Contributions Made
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Available Room Now
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Year-by-Year TFSA Room Breakdown
| Year | Annual Limit | Eligible? | Room Added | Cumulative Room |
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* This calculator provides an estimate. Verify your exact room at My CRA Account (canada.ca).