How much TFSA contribution room do I have?

Room accrues every year from the year you turn 18, or 2009, whichever is later. Someone eligible for every year since 2009 has $109,000 of cumulative room as at 2026, less anything already contributed.

When does a TFSA withdrawal give the room back?

On 1 January of the following calendar year. Re-contributing a withdrawal in the same year it was taken out is an over-contribution, penalised at 1% per month of the excess until it is withdrawn.

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How much room you actually have.

Room builds from the year you turn 18 whether or not you ever opened an account, 2015 was double every other year, and a withdrawal does not come back until January. Those three between them account for most over-contributions.

Your position as at 2026

Year you were born

Canadian resident since then

Contributed, all years Withdrawn in earlier years Withdrawn this year

Room available

Room today —

On 1 January —

Lifetime room accrued —

Every annual limit

Cumulative room is the sum of every year you were eligible. The limit is announced rather than calculated — it is indexed and rounded to the nearest $500, but working it out from inflation produces a number that disagrees with the one actually set.

Year	Limit	Cumulative since 2009
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 one year only	$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

This works out what you would have accrued. It is not your room — the CRA's figure accounts for contributions and withdrawals it has on file, and its own number lags by a year because issuers report annually. Check My Account before contributing near the limit. Nothing here is tax advice — see the disclaimer.