TFSA ROOM · CRA LIMITS 2009–2026

Turned 18 by 2009? Your TFSA room could be $109,000.

Enter the year you turned 18 and see your room year by year, from the CRA's own limits. Then we'll talk about what goes in it.

Pick the year you turned 18 and the figure above changes.

Work out my room

$7,000TFSA dollar limit for 2026

18%of last year's earned income becomes new RRSP room

$33,810RRSP dollar limit for 2026

YOUR ROOM, YEAR BY YEAR

TFSA or RRSP: see the room first

Type the year you were born, or tap the year you turned 18. Everything here comes from the CRA's published limits for 2009 to 2026.

A hand pointing at a printed table of rows and columns beside a coffee mug and a closed notebook, the figures too blurred to read

Year you were born Earned income last year Put into a TFSA so far Taken out in earlier years

Turned 18 in

TFSA room in 2026

Year	CRA limit	Running total
2015	$10,000	$10,000
2016–2018	$5,500 a year	$26,500
2019–2022	$6,000 a year	$50,500
2023	$6,500	$57,000
2024–2026	$7,000 a year	$78,000
Room if you've never contributed		$78,000

New RRSP room for 2026

What counts	Amount
Earned income last year	$95,000
18% of that	$17,100
2026 dollar maximum	$33,810
New RRSP room for 2026	$17,100

18% of last year's earned income, to a yearly dollar maximum

The CRA's My Account figure is the one that counts. This tool adds up the published limits and assumes you have lived in Canada since you turned 18. Concept site: this form doesn't send anything, and the numbers stay on this page.

Two kinds of room, two rules

TFSA

For a Canadian resident, room starts to accumulate when you turn 18. Money you take out comes back as room on January 1 of the following year.

CRA, Before you contribute to a TFSA

RRSP

New room is 18% of last year's earned income, to a yearly dollar maximum: $32,490 for 2025 and $33,810 for 2026.

CRA, How contributions affect your RRSP/PRPP deduction limit

How each rule works

Three people at a wooden kitchen table with coffee mugs, one of them pointing at a printed page of figures while evening light comes through the window

YOUR FIRST MEETING

Then a plan, at your kitchen table or ours.

Money you take out of a TFSA comes back as room on January 1 of the following year, along with that year's new limit. It is the first rule we go through.

CRA, Calculate your TFSA contribution room

Book a review

BOOK A REVIEW

Talk it through, room first.

Leave a number or an email and say what you would like to look at. Bring your CRA figures if you have them.

Or call 905-555-0157 hello@halvane.example

Two pairs of hands holding grey ceramic mugs at a kitchen table, one hand writing with a pen on a few printed pages, a window behind