Verify your TFSA contribution room

Answer a few questions about your TFSA history. We never present this as an authoritative figure — only as an estimate that shows its work.

1Basic information
2Contributions
3Withdrawals

Basic information

We use your birth year and residency to work out which years you accrued TFSA room.

Birth year

Optional, but leaving it blank lowers the confidence of your estimate.

Have you been a Canadian resident every year since you turned 18?

Yes — every yearYou've been a Canadian resident for tax purposes each year since you were eligible.No — I had non-resident yearsMark the years you were a non-resident for the whole year. No room accrues for those years.I'm not sureWe'll estimate assuming residency, but flag the result as lower confidence.

TFSA room shown by CRA (optional)

We'll compare your estimate against this and explain any difference.

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.