$109,000 of room since 2009
How much TFSA room do you actually have?
Most TFSA calculators tell you either the 2026 limit or a projected balance — never both. Haven shows both, on one screen, from one set of inputs. Enter your birth year, your lifetime contributions to date, and what you plan to add each year. We reconstruct your exact contribution room from the CRA's annual limit table back to 2009, and project your balance forward in today's dollars.
Calculate my TFSAFree. Uses CRA limits 2009–2026. No signup required.
Example: born 1985, $35k balance, $7k/yr
TFSA balance in 25 years (today's dollars, 5% real return)
The calculator
Your numbers, your plan.
TFSA planning is two questions, not one
Most TFSA calculators answer either "how much room do I have?" or "how much will my balance grow?" and stop. Anyone who actually uses a TFSA is asking both — usually within thirty seconds of each other. Haven runs both calculations from one set of inputs so you don't have to switch tabs.
Where the room number comes from
We sum the CRA's annual TFSA limits since the year you turned 18 (or 2009, whichever was later) and subtract your lifetime contributions. The annual table is verified against canada.ca and kept in lockstep — if CRA bumps the 2027 limit, we update one JSON catalog and the entire app sees the new number.
Why the projection uses real returns
We default to a 5% real (after-inflation) return because the only number that's emotionally meaningful is one denominated in today's dollars. Quoting a $1.2M nominal balance in 30 years sounds great until you realize a coffee costs $11. Real returns keep the headline honest.
If the calculator says you're over-contributed
That's the 1%-per-month penalty zone. The fix is to withdraw the excess as soon as you notice — withdrawing this year removes the penalty going forward, but the room only gets added back to your contribution space on January 1 of next year, not the moment you withdraw.