TFSA limit 2026: $7,000 for the year, $109,000 since 2009
The annual limit is the amount the Canada Revenue Agency adds to your room every January 1. The calculator adds up the ones that apply to you.
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.
| Year | Limit | Running 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 |
Prepared by Radif Partners · How we calculate · limits and tax tables read on canada.ca · estimates only, not a notice of assessment
The 2026 TFSA limit is $7,000, the same as in 2025 and 2024. Added up from 2009 to 2026, the annual limits come to $109,000: the most anyone can have in room this year, provided they were 18 by 2009, lived in Canada in every year since and never contributed. The limit is the same for everyone; what varies is the room each person has built up, which depends on age and years of residence. The amount follows inflation but is rounded to the nearest $500, which is why it stays flat for several years and then jumps in one step. The 2027 limit has not been published yet; the Canada Revenue Agency usually announces it in late November. If you see a total of $102,000 or $95,000 elsewhere, it stops at the end of 2025 or 2024, not 2026.
Annual limits, step by step
The table of limits published by the Canada Revenue Agency covers 18 years since the account was created in 2009. Instead of one line per year, here are the steps: each run of years at the same limit, what it adds up to and the running total at the end of the run. The last column lets you check any total you come across.
| Years | Annual limit | Years | Total for the step | Running total |
|---|---|---|---|---|
| 2009 to 2012 | $5,000 | 4 | $20,000 | $20,000 |
| 2013 to 2014 | $5,500 | 2 | $11,000 | $31,000 |
| 2015 | $10,000 | 1 | $10,000 | $41,000 |
| 2016 to 2018 | $5,500 | 3 | $16,500 | $57,500 |
| 2019 to 2022 | $6,000 | 4 | $24,000 | $81,500 |
| 2023 | $6,500 | 1 | $6,500 | $88,000 |
| 2024 to 2026 | $7,000 | 3 | $21,000 | $109,000 |
2015 stands out at $10,000, before a return to $5,500 the next year. Since then the line only climbs in steps: $6,000 through 2022, $6,500 in 2023, then $7,000 from 2024 on.
Why the limit moves in $500 steps
The limit is not set by a fresh decision every year. The Agency note on indexed amounts gives the rule in force since 2016: start from $5,000, the 2009 amount, index it to inflation for every year since, and round the result to the nearest $500. The same table indexes the tax brackets and credits every year.
The rounding has a visible effect: as long as the indexed amount stays below the point that would push it to the next step, the published limit does not change. That is why $7,000 has applied since 2024. The Canada Revenue Agency puts it in one line: the annual limit is indexed to inflation and rounded to the nearest $500. When an increase does come, it is always at least $500.
Who actually has the full $109,000
The cumulative figure is not a personal cap; it is the sum of every annual limit. To have all of it, every year from 2009 to 2026 must count, which means being 18 by 2009 and a resident of Canada at some point in each of those years. A full calendar year abroad as a non-resident removes that year's limit. Someone younger only adds the limits from the year they turned 18. To redo the count with your age, contributions and withdrawals, use the calculator at the top of the page or the TFSA contribution room page.
The 2027 limit: not out yet
The 2027 limit is not published yet: the Canada Revenue Agency usually announces it in late November. The calculator will add it the day it is announced. Any figure projected for 2027 is a guess: rounding to the nearest $500 can leave the limit where it is or move it up a step. What is certain is the effective date: the 2027 limit will be added to room on January 1, 2027, at the same time as withdrawals made in 2026.
Out-of-date totals are still around
Many tables online have not been updated. A cumulative $95,000 stops at 2024; $102,000 stops at 2025. Some pages also quote an annual limit and a total that do not match each other. The check is quick: add $7,000 for each missing year to the last total published, or compare with the "Running total" column above. When in doubt, the Agency's table is the reference.
TFSA and RRSP limits side by side
The two limits work differently. The TFSA limit is a flat amount for everyone. The RRSP figure is a ceiling: your new room is 18% of the previous year's earned income, up to the dollar limit for the year. Reaching the 2026 RRSP limit takes earned income of about $187,834 in 2025. The 2027 RRSP limit is already published; the TFSA one is not.
| Year | TFSA limit | RRSP limit |
|---|---|---|
| 2022 | $6,000 | $29,210 |
| 2023 | $6,500 | $30,780 |
| 2024 | $7,000 | $31,560 |
| 2025 | $7,000 | $32,490 |
| 2026 | $7,000 | $33,810 |
| 2027 | not yet published | $35,390 |
Your new 2026 RRSP room
2026 RRSP deduction limit
$14,400
| 18% of 2025 earned income | $14,400 |
| 2026 dollar limit | $33,810 |
| Minus pension adjustment | $0 |
| New room this year | $14,400 |
To decide where a given amount should go, compare your tax rate today with the one you expect at withdrawal: the RRSP vs TFSA page runs the numbers with your province's brackets, and the RRSP limit page explains how the deduction limit is worked out.