MundoKit

TFSA contribution room and withdrawal ledger

Enter verified January 1 room and transactions across all your TFSAs. The ledger shows remaining room and when withdrawals become reusable.

Inputs
CAD
Already includes that year’s limit, carry-forward and prior-year withdrawals. Not your account balance.
This ledger does not assess residency changes, eligibility or excess-tax corrections.
One per line: YYYY-MM-DD, contribution or withdrawal, CAD amount. Up to 500 lines / 50,000 characters. Same-day entries follow line order. Exclude qualifying direct transfers, exempt contributions and specified distributions.

Results

Available contribution room through 2026-11-14
CA$17,000.00
Withdrawals reusable from 2027-01-01
CA$0.00
Carry-forward plus withdrawals, before next annual limit
CA$17,000.00
Room ledger (CAD)
DateEventAmountRoom after eventWithdrawal restoration
2025-01-01Verified opening roomCA$7,000.00CA$7,000.00—
2025-06-15contributionCA$1,000.00CA$6,000.00—
2025-10-26withdrawalCA$4,000.00CA$6,000.002026-01-01
2026-01-01Annual limit + prior withdrawalsCA$11,000.00CA$17,000.00—
  • Only entered transactions are included. Future-year figures assume no more transactions. The next annual limit is not included in the carry-forward result.
  • Keep your own copy of the ledger. It is not saved automatically; sharing a link shares the entered financial records.

Results update as you type. The share link stores your inputs after the # in the address, which is not sent to our server, but anyone you send it to can read them.

Last checked 2026-11-14. Rules change, sometimes at short notice. We list the date we last checked each official source; confirm with the official government source before you travel, buy or file. This is general information, not legal or immigration advice.

This is a general estimate for information only, not tax, legal or financial advice. Real rules have more conditions than a calculator can show, so check the official source below or a qualified professional for your situation.

How it works

The CRA room formula subtracts contributions immediately and restores ordinary withdrawals the next January. Opening room must already include the opening year’s limit and earlier carry-forward. Later January entries add the verified annual limit and prior-year withdrawals.

room = opening room + later annual additions + restored withdrawals − contributions

Amounts are calculated in whole cents and displayed to two decimals. The ledger stops at the first excess event; correction withdrawals and excess taxes need separate reconciliation.

Worked examples

Withdrawal across January

Open 2025 with CAD 7,000, contribute CAD 1,000 and withdraw CAD 4,000. Room remains CAD 6,000 in 2025 and becomes CAD 17,000 on January 1, 2026.

Same-year recontribution

Open 2026 with CAD 7,000, contribute CAD 7,000, withdraw CAD 2,000, then contribute CAD 2,000 again. The last contribution exceeds available room by CAD 2,000.

Annual dollar-limit history

These are annual additions, not personal available room.

YearAnnual limit (CAD)
20095,000
20105,000
20115,000
20125,000
20135,500
20145,500
201510,000
20165,500
20175,500
20185,500
20196,000
20206,000
20216,000
20226,000
20236,500
20247,000
20257,000
20267,000

Frequently asked questions

Does a withdrawal create room immediately?
No. Ordinary withdrawals restore room the following January 1.
Can I use my CRA balance alone?
Reconcile it with all issuer records. CRA account information is updated annually, not after each transaction.
Is the 2027 limit included?
No. The final carry-forward result excludes the next annual limit. Verified annual-limit data ends in 2026.
Does this save my ledger?
No automatic storage is used. Keep a separate copy. A shared input link exposes the ledger to its recipient.

Sources

Last reviewed 2026-11-14; next review due by 2027-01-15. The method is written out above so you can check our math.