Your TFSA room, live and accurate.
Track Tax-Free Savings Account contributions across every provider — Wealthsimple, Questrade, RBC, TD, Scotia. Live calculator against your real CRA room. Warns 5 days before you approach the limit. 2026 annual limit: $7,500.
Live Room Calculator
Tracks every TFSA contribution and withdrawal across connected accounts. Cumulative lifetime room since 2009. Annual limit ($7,500 in 2026). Real-time remaining.
Multi-Provider Aggregation
You have a TFSA at Wealthsimple, another at Questrade, an old one at TD? We aggregate all of them and reconcile against CRA’s annual cap.
Over-Contribution Warnings
Push notification at 75%, 90% and 100% of remaining room. Critical — the CRA charges 1% per month on excess until withdrawn.
Withdrawal Re-Contribution Awareness
TFSA withdrawals don’t free up room until the following calendar year. We track withdrawal dates and warn against re-contributing prematurely.
Year-End Summary
On 31 December: total contributed, total withdrawn, room used, room available for next year. Print-ready for your records.
Investment Performance
Beyond contributions, see the actual investment performance inside your TFSA across providers. Rolls into net worth.
How it works
- 1
Connect TFSA providers
Plaid Canada syncs Wealthsimple, Questrade, RBC Direct, TD Direct, Scotia iTRADE and 80+ more.
- 2
Confirm your room
Enter cumulative room from CRA MyAccount or let us estimate from age. We sync going forward.
- 3
Set warnings
Default 90% threshold push notification. Adjust to 75% or 95% based on your risk tolerance.
- 4
Contribute confidently
Every deposit detected. Every withdrawal logged. Year-end summary auto-generated.
Frequently asked questions
Is the room calculator official?▼
Our tracker is your authoritative working number, but always cross-check CRA MyAccount before maxing your room — we cannot see contributions made directly outside connected accounts (rare but possible with paper transfers).
What is the 2026 annual limit?▼
$7,500. The cumulative lifetime room for someone 18+ in 2009 and continuously resident is $102,000 as of 1 January 2026.
What happens if I over-contribute?▼
CRA charges 1% per month on the excess until you withdraw it. The penalty applies even if accidental. We prevent this with real-time warnings.
Do withdrawals immediately free up room?▼
No. Withdrawals only restore room on 1 January of the following year. Re-contributing in the same year counts against current-year room. We warn about this trap.
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