Reference centre
FHSA Contribution Limits
Quick lookup for FHSA annual limits, lifetime limits, carryforward rules, and qualifying-withdrawal context.
Current year: 2026
Last checked: 2026-05-19
Current-year summary
FHSA limit snapshot
Current year2026
Annual limit$8,000
Lifetime limit$40,000
Carryforward cap$8,000
Historical table
FHSA limits by year
| Year | Annual limit | Lifetime limit | Last checked |
|---|---|---|---|
| 2026 | $8,000 | $40,000 | 2026-05-19 |
| 2025 | $8,000 | $40,000 | 2026-05-19 |
| 2024 | $8,000 | $40,000 | 2026-05-19 |
Key rules
- Annual FHSA participation room starts at $8,000 in the year the first FHSA is opened.
- Unused FHSA room may generally be carried forward, subject to an $8,000 carryforward cap.
- The general lifetime FHSA contribution limit is $40,000.
The maximum participation period generally begins when the first FHSA is opened and ends on December 31 of the year in which the earliest applicable closing event occurs.
A qualifying withdrawal may be tax-free if FHSA conditions are met, including qualifying-home and timing requirements.
Notes and assumptions
FHSA rules depend on eligibility, account-opening date, qualifying withdrawals, transfers, and account closure timing.
Official sources
- Source notes are maintained with this reference.