Your accumulated room
Every year adds room. None of it expires.
Room started accumulating in 2009 — or the year you turned 18, if that came later. Enter your birth year and the chart re-bases to you.
Showing the full history since 2009.
Cumulative maximum room, 2026
$109,000
If you were 18 or older in 2009 and have never contributed or withdrawn.
Room started accumulating
2009 — the first TFSA year
18 years of annual additions counted.
Counts toward your room
Before you turned 18 — no room earned
Swipe the chart sideways to see every year →
Year-by-year table
| Year | Your age | Added that year | 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 |
| Cumulative maximum room | $109,000 | ||
How this is calculated.
- You earn the full year's room in the calendar year you turn 18; there is no proration for your birthday.
- Room is only added while you are a Canadian resident. Arrive in Canada after 18 and your room starts the year you became a resident.
- The figures assume no contributions or withdrawals. Contributions reduce the room available today; withdrawals are added back the following January 1.