2026 tax year · Contribution room & growth estimate
Lifetime Room
Available Room
2026 Limit
Years Eligible
Est. Value in 5 Years
Growth Earned
Contribution Status
Estimate only. Verify your exact contribution room through CRA My Account. Does not account for TFSA holdings beyond cash. Consult a financial advisor for personalized advice.
Enter your year of birth to determine your TFSA eligibility start date (the later of the year you turned 18 or 2009 when the TFSA program began). Input the total contributions you've ever made across all your TFSA accounts, and any withdrawals you made in 2025 — these restore contribution room on January 1, 2026. Optionally set a projected annual growth rate to see how your available room could grow if invested.
All limits are based on CRA's official TFSA annual room amounts from 2009 through 2026. The calculator does not track your personal CRA account — always verify your exact room via CRA My Account.
The TFSA annual limit for 2026 is $7,000. The total cumulative lifetime contribution room for someone who has been eligible since 2009 is $109,000 as of 2026.
Start with your total lifetime room accumulated since you turned 18 (or 2009), subtract all contributions you've ever made, then add back any withdrawals made in previous years (withdrawals restore room the following January 1st).
The CRA charges a penalty of 1% per month on the excess amount until it is withdrawn. Always verify your contribution room via CRA My Account or use this calculator as an estimate before contributing.
Yes, but not immediately. Withdrawals from your TFSA are added back to your contribution room on January 1st of the following year. You cannot re-contribute the withdrawn amount in the same calendar year without risking an over-contribution.
The Toolzie TFSA Calculator Canada estimates your available TFSA contribution room for 2026, including lifetime accumulation from program inception in 2009. It accounts for all annual limits, tracks contributions across all your TFSA accounts, adds back previous-year withdrawals, and projects potential tax-free growth over 5 years based on your chosen rate of return.
The TFSA annual limit for 2026 is $7,000. The total cumulative lifetime contribution room for someone who has been eligible since 2009 is $109,000 as of 2026.
Start with your total lifetime room accumulated since you turned 18 (or 2009), subtract all contributions you've ever made, then add back any withdrawals made in previous years (withdrawals restore room the following January 1st).
The CRA charges a penalty of 1% per month on the excess amount until it is withdrawn. Always verify your contribution room via CRA My Account or use this calculator as an estimate before contributing.
Yes, but not immediately. Withdrawals from your TFSA are added back to your contribution room on January 1st of the following year. You cannot re-contribute the withdrawn amount in the same calendar year without risking an over-contribution.