TFSA RRSP FHSA Contribution Room Tracker 2026 (Canada): 2026 CRA Limits

- TFSA room 2009–2026 worked out from your birth year and residency, using the official CRA limits ($7,000 for 2026); withdrawals are added back the next year

- RRSP 2026 deduction limit: 18% of 2025 earned income up to $33,810, minus pension adjustment, plus unused room; contribution log and a $2,000-cushion warning

- FHSA participation room with carryforward (max $8,000) and the $40,000 lifetime limit

- Over-contribution warnings, including an FHSA excess-amount warning, and a one-page dashboard

- CRA source links for every limit

- Built and tested in Excel/LibreOffice, using only functions that also exist in Google Sheets. To open it in Google Sheets: upload the .xlsx to Google Drive, then Open with → Google Sheets. It hasn't been tested in a live Google Sheets account. Formula-cell protection applies in Excel only (there's no password: Review → Unprotect Sheet).

Instant download: .xlsx, README and test cases.

Estimate, not tax advice. Not affiliated with or endorsed by the CRA.

Licence: In addition to Payhip's standard licence, you may use this template for your own records; don't resell or share the file.