Tracking the 2026 limit · figures checked 2026-09-03
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A TFSA gave you
$7,000
of new room in 2026.
Source
canada.ca, MP, DB, RRSP, DPSP, ALDA, TFSA limits and the YMPE. Page modified 2025-12-01.
Math
18 annual limits, 2009 to 2026, summed: $109,000 if you were 18 by 2009, eligible every year, and never contributed.
Checked
2026-09-03 by Mo Kechout. Mo is not a CPA.
Your real room, from your own dates.
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TFSA dollar limit by year
Sum, 2009 to 2026, never contributed
$109,000
Source: canada.ca, MP, DB, RRSP, DPSP, ALDA, TFSA limits and the YMPE, modified 2025-12-01. Read against the page 2026-09-03 by Mo Kechout.
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The app
Your contribution room, computed the CRA's way, with a warning before an over-contribution starts costing you. TFSA free; RRSP, FHSA, and RESP unlock once for $19.99.
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Learn
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The latest from Resources.
Short answers to one situation, and longer pieces on the blog. Every figure cited to the CRA page it came from.
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TFSA withdrawal rules: when the room you took out comes back TFSA room comes back January 1 of the next year, not on the withdrawal date. The CRA's two worked examples, and the one case where same-year re-contribution is fine.
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How to check your TFSA contribution room when the CRA figure is behind The CRA says to calculate TFSA room from your own records, not your CRA account. Here is the formula it publishes and where each input comes from.
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Your TFSA over-contribution: what the penalty actually costs The TFSA over-contribution penalty is 1% a month on the highest excess in your account. Here is the CRA's own arithmetic, and the deadline that follows.
Three questions, answered.
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Standing statement
Mo is not a CPA. Not tax advice. Everything on this site is educational. Cross-check every figure against the Canada Revenue Agency before you act on it.