Source data
CRA TFSA contribution room formula and calculated 2026 examples
Sources checked
Calculated examples apply the same CRA formula to different account histories.
CRA TFSA contribution room formula and calculated 2026 examples
The examples assume the person receives the 2026 annual dollar limit. The amounts are illustrative. Each person must calculate room from records for all of their accounts.
| Source | ||||||
|---|---|---|---|---|---|---|
| No carryover or prior withdrawal | 7,000 | 0 | 0 | 0 | 7,000 | Source 1 |
| Unused room carried from 2025 | 7,000 | 3,500 | 0 | 0 | 10,500 | Source 1 |
| Withdrawal made in 2025 | 7,000 | 0 | 2,000 | 0 | 9,000 | Source 1 |
| Carryover and prior withdrawal | 7,000 | 3,500 | 2,000 | 0 | 12,500 | Source 1 |
| Already contributed in 2026 | 7,000 | 3,500 | 2,000 | 4,000 | 8,500 | Source 1 |
| Withdrawal made during 2026 | 7,000 | 0 | 0 | 4,000 | 3,000 | Source 1 |