Centre de référence
Plafonds de cotisation CELI
Repère rapide pour les plafonds annuels du CELI, le contexte du plafond cumulatif et les principales règles de nouvelle cotisation.
Année courante: 2026
Dernière vérification: 2026-05-19
Résumé de l'année courante
Aperçu du plafond CELI
Current year2026
Annual limit$7,000
Cumulative limit$109,000
Tableau historique
Plafonds CELI par année
| Année | Plafond annuel | Plafond cumulatif | Statut des sources |
|---|---|---|---|
| 2026 | $7,000 | $109,000 | 2026-05-19 |
| 2025 | $7,000 | $102,000 | 2026-05-19 |
| 2024 | $7,000 | $95,000 | 2026-05-19 |
Règles clés
- The annual TFSA dollar limit is added to available contribution room at the beginning of the calendar year.
- Unused TFSA contribution room carries forward.
- Withdrawals generally restore contribution room in the following calendar year.
Canadian residents who are at least 18 years old and have a valid SIN can generally accumulate TFSA contribution room.
Withdrawals generally create new TFSA contribution room on January 1 of the following year, not immediately in the year of withdrawal.
Notes et hypothèses
Personal TFSA room depends on age, residency, unused room, withdrawals, and contributions already made.
Sources officielles
- 2026 TFSA dollar limit and historical annual limits reviewed from CRA / Canada.ca registered-plan limits tables.
- Cumulative limits assume eligibility for every year since TFSA introduction and no personal contribution or withdrawal adjustments.