TFSA, RRSP and FHSA limits for 2026
For 2026: TFSA $7,000, RRSP up to $33,810, FHSA $8,000. Your personal room is on your CRA account.
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The three numbers
| Account | 2026 limit |
|---|---|
| TFSA | $7,000 |
| RRSP | 18% of 2025 earned income, up to $33,810 |
| FHSA | $8,000 a year, $40,000 lifetime |
Source: CRA limits page.
TFSA cumulative room
$109,000 in 2026 for someone who was 18 or older and resident in 2009 and never contributed. Withdrawals come back as room on January 1 of the next year.
| Years | Annual limit |
|---|---|
| 2009 to 2012 | $5,000 |
| 2013 to 2014 | $5,500 |
| 2015 | $10,000 |
| 2016 to 2018 | $5,500 |
| 2019 to 2022 | $6,000 |
| 2023 | $6,500 |
| 2024 to 2026 | $7,000 |
The 2027 TFSA limit had not been announced at the time of last verification.
RRSP
The 2027 dollar limit is $35,390 per CRA. Your real limit is on your notice of assessment.
FHSA
Up to $8,000 of unused room carries forward, so the most in one year after the first is $16,000. Opening more than one FHSA does not add room.
Mistakes people make
- Treating a bonus paid into a TFSA or RRSP as free. Wealthsimple says it counts as a contribution. See external deposits.
- Putting a TFSA withdrawal back in the same year.
- Trusting an old room figure.
Where Wealthsimple fits
You can hold these accounts at any institution. If you move one, a direct transfer keeps it tax sheltered. See the 1% transfer match.
Frequently asked questions
What is the 2026 TFSA limit?
$7,000.
What is my total TFSA room if I never contributed?
$109,000 in 2026, if you were 18 or older and a Canadian resident in 2009.
What is the 2026 RRSP limit?
18% of your 2025 earned income, up to $33,810, minus pension adjustments.
How much can I put in an FHSA in 2026?
$8,000 a year, plus up to $8,000 of unused room carried forward. Lifetime limit $40,000.
Is the 2027 TFSA limit out yet?
Not at the time of last verification. CRA usually posts it in November.
Sources
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Last verified October 5, 2026. Official terms always take priority.