abstractigakisCanada · tax year 2026
TFSA dollar limit for 2026 is $7,000
That $7,000 is added on 1 January if you are 18 or older and a Canadian resident. Your Notice of Assessment and CRA My Account win. This is not tax advice.
| Years | TFSA dollar limit |
|---|---|
| 2009–2012 | $5,000 |
| 2013–2014 | $5,500 |
| 2015 | $10,000 |
| 2016–2018 | $5,500 |
| 2019–2022 | $6,000 |
| 2023 | $6,500 |
| 2024–2026 | $7,000 |
What people mix up
- If you have been eligible every year since 2009 and never contributed, unused room is $109,000 at the start of 2026. Most people have used some of that.
- A withdrawal in 2026 comes back as room on 1 January 2027, not the next day. Putting the same dollars back this year can be an over-contribution.
- The 2026 RRSP dollar limit is $33,810. Your own room is the lesser of that and 18% of 2025 earned income, minus pension adjustments. The number on the Notice of Assessment is the one that counts.
Sources: CRA TFSA dollar limits · CRA RRSP dollar limit.