What is the TFSA limit in 2026?

The annual limit is $7,000 in 2026. The maximum cumulative room since 2009 is $109,000 for someone who was 18 or older in 2009.

How do I calculate my TFSA contribution room?

Your room accumulates each year since you turned 18 (or since 2009). If you make a withdrawal, the room is restored the following year.

Is the TFSA really tax-free?

Yes. Capital gains, dividends and interest in a TFSA are not taxed, either inside the account or on withdrawal.

Do TFSA withdrawals affect my government benefits?

No. Unlike RRSPs, TFSA withdrawals are not added to your taxable income and do not affect benefits.

TFSA Calculator 2026

Calculate your contribution room and project tax-free investment growth.

1 Your information

Birth year

Current age

Annual contribution

Current TFSA savings

Target age

Estimated annual return

VEQT ~10% historical, VBAL ~7%

2 Results

2026 data

Projected value at age 65

1,035,394 $

Tax-free gains: 790,394 $

Total contributed245,000 $

Contribution room83,500 $

Room remaining83,500 $

TFSA Contribution Room History

Year	Limit	Cumulative
2009	5,000 $	—
2010	5,000 $	—
2011	5,000 $	—
2012	5,000 $	—
2013	5,500 $	—
2014	5,500 $	5,500 $
2015	10,000 $	15,500 $
2016	5,500 $	21,000 $
2017	5,500 $	26,500 $
2018	5,500 $	32,000 $
2019	6,000 $	38,000 $
2020	6,000 $	44,000 $
2021	6,000 $	50,000 $
2022	6,000 $	56,000 $
2023	6,500 $	62,500 $
2024	7,000 $	69,500 $
2025	7,000 $	76,500 $
2026	7,000 $	83,500 $

Calculations are estimates. Actual contribution room may vary based on your past withdrawals and contributions.

RRSP Calculator

TFSA Calculator 2026

TFSA Contribution Room History

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TFSA Calculator 2026

TFSA Contribution Room History

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Search

TFSA Calculator 2026

TFSA Contribution Room History

FAQ

What is the TFSA limit in 2026?

How do I calculate my TFSA contribution room?

Is the TFSA really tax-free?

Do TFSA withdrawals affect my government benefits?

TFSA Calculator 2026

TFSA Contribution Room History

FAQ

What is the TFSA limit in 2026?

How do I calculate my TFSA contribution room?

Is the TFSA really tax-free?

Do TFSA withdrawals affect my government benefits?