How much TFSA room do I have, by the year I arrived in Canada?
It starts the year you became a tax resident at 18 or older, in full whatever the month. Find that year below for your room in 2026.
By the year you became a resident
| Became a resident | Room in 2026 |
|---|---|
| 2009 or before | $109,000 |
| 2010 | $104,000 |
| 2011 | $99,000 |
| 2012 | $94,000 |
| 2013 | $89,000 |
| 2014 | $83,500 |
| 2015 | $78,000 |
| 2016 | $68,000 |
| 2017 | $62,500 |
| 2018 | $57,000 |
| 2019 | $51,500 |
| 2020 | $45,500 |
| 2021 | $39,500 |
| 2022 | $33,500 |
| 2023 | $27,500 |
| 2024 | $21,000 |
| 2025 | $14,000 |
| 2026 | $7,000 |
At 18 or older that year, before anything contributed.
See how
Each row is every yearly limit from that year to 2026. Your room is the row less what you have contributed, plus what you withdrew before this year.
The first row, $109,000, adds every limit since TFSAs began in 2009: the number most calculators show if you only give your age. Years before you were a resident add nothing, and contributing the difference costs 1% a month on the excess.
“Resident” here is your residency for tax, usually from the day you arrived to live here, not the day you became a permanent resident.
Sources
- CRA — Before you contribute to a TFSA
- CRA — Calculate your TFSA contribution room
- CRA — Newcomers to Canada (immigrants)
- CRA — TFSA and RRSP dollar limits
Checked against the CRA’s pages on .