Registered-Plan Limits 2026 (RRSP / TFSA / FHSA)
Registered-Plan Limits 2026 (RRSP / TFSA / FHSA)
The 2026 contribution room for the tax-shelter accounts -- plus the trade-specific tool deduction.
Contribution limits (2026)
| RRSP | $33,810 |
| TFSA (annual) | $7,000 (cumulative room $109,000 since 2009) |
| FHSA (annual) | $8,000 ($40,000 lifetime) |
Trade-specific
| Tradesperson's Tool Deduction (max) | $1,000 |
As of 2026 -- not financial advice. RRSP room is also limited to 18% of prior-year earned income. FHSA is for first-time home buyers. Confirm at canada.ca (CRA).
Sources: CRA -- RRSP/TFSA/FHSA 2026 limits · CRA -- Tradesperson's Tool Deduction
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