Finance Calculators
Estimate how much you can still contribute to your TFSA in 2026 with a simple beginner-friendly calculator.
TFSA contribution room is the total amount you are allowed to contribute to your Tax-Free Savings Accounts. It is based on annual TFSA limits, your age, Canadian tax residency, unused room, and eligible withdrawals from previous years.
You earn TFSA room for each calendar year you are 18 or older, a Canadian resident for tax purposes, and the TFSA program exists. This calculator adds the annual TFSA limits from your eligible start year through 2026.
Withdrawals from previous calendar years are added back to your room on January 1 of the following year. Withdrawals made during the current year are not restored immediately.
If you contribute more than your available TFSA room, the CRA may charge a penalty of 1% per month on the excess amount until it is withdrawn or new room becomes available.