Trust your TFSA number.
A calculator gives you a number. Harmony helps you trust it — by rebuilding your contribution room from your own history using the exact CRA rules, and explaining any difference from what the CRA shows.
Free. No account needed. Harmony does not replace the CRA.
Questions Harmony helps answer
- Is my CRA TFSA room accurate?
- Did my withdrawal room get re-added correctly?
- How much can I contribute today?
- What happens if I lived outside Canada?
- Why does my calculation differ from the CRA?
How it works
Tell us the basics
Your birth year and Canadian residency history determine which years you accrued room.
Add your history
Enter your contributions and withdrawals. We apply the exact CRA rules, including withdrawal restoration timing.
Verify and understand
See your estimated room, a confidence level, and a plain-language explanation of any difference from the CRA.
This tool provides estimates only.
Harmony helps you verify and understand your TFSA contribution room — it does not replace the CRA. Always confirm your contribution room through your official CRA records and a qualified financial professional before making contribution decisions. Harmony is not providing financial advice.