Year you arrived: it counts in full

All your TFSAs, direct transfers excluded

Already added back the next January 1

Added back on January 1, 2027

More options

Non-resident all year: no room

TFSA room available in 2026

$109,000

In 2027, your 2026 withdrawals come back, plus the 2027 limit, not yet published.

Limits added up, 2009 to 2026$109,000
Minus past contributions$0
Plus past withdrawals$0
Room on January 1, 2026$109,000
Minus 2026 contributions$0
Added back on January 1, 2027$0

The CRA figure in My Account leaves out this year’s transactions: your own statements are the reference.

How this is computed
Limit for each year you were 18 and lived in Canada
YearLimitRunning total
2009$5,000$5,000
2010$5,000$10,000
2011$5,000$15,000
2012$5,000$20,000
2013$5,500$25,500
2014$5,500$31,000
2015$10,000$41,000
2016$5,500$46,500
2017$5,500$52,000
2018$5,500$57,500
2019$6,000$63,500
2020$6,000$69,500
2021$6,000$75,500
2022$6,000$81,500
2023$6,500$88,000
2024$7,000$95,000
2025$7,000$102,000
2026$7,000$109,000

TFSA or RRSP · limits published on canada.ca · independent estimate, not a notice of assessment