What is the 2026 TFSA contribution limit?
The annual dollar limit for 2026 is $7,000. Lifetime room depends on years you were 18 or older since 2009.
Behavioral lens: Use-it-or-lose-it
TFSA Room Calculator
Calculate remaining TFSA room based on birth year and prior contributions. Plus a behavioral lens on use-it-or-lose-it so the math matches your mindset.
Educational estimates only. Not personalized advice. Data targets 2026 Canadian rules.
Your TFSA history
$
Contribution room
Remaining room$64,000
Lifetime limit earned$109,000
2026 annual limit$7,000
Years eligible18
Behavioral lens: Use-it-or-lose-it
Use-it-or-lose-it on tax shelter room
TFSA room does not expire, but years without contributions are years of tax-free compounding you never get back. Out of sight, out of mind lets room sit idle while cash earns nothing.
Deploy room before year-end regret
PsyFi tracks registered accounts alongside spending so TFSA contributions happen on purpose.
See your full savings pictureFAQ
Is this PsyFi calculator free?
Yes. Every PsyFi free tool runs in your browser with no signup. We built them to pair accurate Canadian math with behavioral science, not to gate basic estimates behind an account.
Does PsyFi store what I type?
No. Inputs stay on your device. Nothing you enter is sent to PsyFi servers.
Is this personalized financial advice?
No. These are educational estimates using published Canadian rules for 2026. They are not tax, legal, mortgage, or immigration advice. Confirm current rates and your situation with qualified professionals before acting.
Estimates for education only. Not financial, tax, mortgage, immigration, or legal advice. Canadian rules and rates change. Verify current figures with qualified professionals before making decisions. PsyFi tools add behavioral context; they do not replace personalized planning.