What is the TFSA contribution limit for 2026?
The TFSA dollar limit for 2026 is $7,000. It is added to your available contribution room on January 1, 2026, along with any unused room and qualifying amounts from prior years, subject to CRA rules.
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TFSA Contribution Room 2026 — How Much Can You Contribute?
The 2026 TFSA dollar limit is $7,000. Your personal room also depends on unused amounts, prior withdrawals (re-added the next January 1), and when you became eligible. Use the calculator below for an illustrative estimate — then confirm with your records or the CRA.
Withdrawals from prior years are added back to your room the following January 1.
Available room (estimate)
$109,000
Total lifetime room$109,000
2026 annual limit$7,000
Estimates only. Verify with CRA.
Estimates only. This tool does not access CRA data. Verify your room with official sources.
How TFSA contribution room works
- The 2026 limit is $7,000 added to your room on January 1, 2026 (along with other components of room under CRA rules).
- Cumulative room builds from the year you first become eligible — accumulation of dollar limits starts no earlier than 2009, or the year you turned 18, whichever is later.
- Withdrawals are generally added back on the following January 1.
Cumulative limits 2009–2025: 102,000 CAD for someone eligible every year; 2026 adds $7,000 more.
| Year | Annual TFSA dollar limit |
|---|---|
| 2009 | 5,000 CAD |
| 2010 | 5,000 CAD |
| 2011 | 5,000 CAD |
| 2012 | 5,000 CAD |
| 2013 | 5,500 CAD |
| 2014 | 5,500 CAD |
| 2015 | 10,000 CAD |
| 2016 | 5,500 CAD |
| 2017 | 5,500 CAD |
| 2018 | 5,500 CAD |
| 2019 | 6,000 CAD |
| 2020 | 6,000 CAD |
| 2021 | 6,000 CAD |
| 2022 | 6,000 CAD |
| 2023 | 6,500 CAD |
| 2024 | 7,000 CAD |
| 2025 | 7,000 CAD |
| 2026 | 7,000 CAD |
Important nuances
- Withdrawing when investments are down: the amount added back the next January 1 is based on what you withdrew, not your original contribution.
- Same-year recontribution: withdrawals are only added back the following January 1.
- Transfers between institutions: a qualifying direct transfer is not a cash withdrawal.
Disclaimer
This tool provides estimates only. It does not access CRA data or your actual TFSA records. Verify your room at canada.ca My Account or by calling the CRA.
Frequently asked questions
What is the total TFSA room if I've never contributed since 2009?
If you were eligible for every year from 2009 through 2025, the cumulative annual dollar limits total $102,000. The 2026 limit adds another $7,000, for $109,000 cumulative through 2026 for someone eligible every year including 2026. Your personal room depends on when you turned 18 and became resident.
Can I re-contribute what I withdrew from my TFSA?
Generally, amounts you withdraw from your TFSA are added back to your contribution room starting the following January 1 — not immediately in the same calendar year unless you already have unused room. Always track contributions and withdrawals against your limit.
What happens if I over-contribute to my TFSA?
Excess contributions may be subject to a tax of 1% per month on the highest excess amount for each month it remains. See CRA guidance on excess TFSA amounts and how to correct them.
Does TFSA growth count as income?
Investment income and growth inside a TFSA are typically tax-free while in the account, and qualifying withdrawals are generally not taxable. This is a general description; see CRA for your situation.
Can a non-resident contribute to a TFSA?
Non-residents may face a monthly 1% tax on contributions made while non-resident, subject to exceptions. If you are or become a non-resident, review CRA rules before contributing.