Reference centre
TFSA Contribution Limits
Quick lookup for annual TFSA dollar limits, cumulative room context, and key recontribution rules.
Current year: 2026
Last checked: 2026-05-19
Current-year summary
TFSA limit snapshot
Current year2026
Annual limit$7,000
Cumulative limit$109,000
Historical table
TFSA limits by year
| Year | Annual limit | Cumulative limit | Last checked |
|---|---|---|---|
| 2026 | $7,000 | $109,000 | 2026-05-19 |
| 2025 | $7,000 | $102,000 | 2026-05-19 |
| 2024 | $7,000 | $95,000 | 2026-05-19 |
Key rules
- 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 and assumptions
Personal TFSA room depends on age, residency, unused room, withdrawals, and contributions already made.
Official sources
- 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.