TFSA Contribution Room Calculator 2025

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Includes all annual limits since 2009 • Accounts for withdrawals • Updated for 2025

Your TFSA contribution room accumulates every year since you turned 18 (and since 2009 when the TFSA was introduced). This calculator adds up your lifetime room and subtracts contributions to show what you can still deposit.

TFSA Room Calculator

Year You Turned 18 (or 2009 if earlier)

Total Contributions Made to Date ($)

Withdrawals Made in 2024 ($)

TFSA Annual Contribution Limits by Year

2009–2012: $5,000/year
2013–2014: $5,500/year
2015: $100 (one-time increase)
2016–2018: $5,500/year
2019–2022: $6,000/year
2023: $6,500
2024: $7,000
2025: $7,000

If you have been eligible since 2009, your total lifetime room is $102,000 as of 2025.

TFSA Withdrawal Rules

When you withdraw from your TFSA, that amount is added back to your contribution room — but not until January 1 of the following year. So 2024 withdrawals become new room on January 1, 2025.

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