Investment · TFSA
TFSA room for couples.
Two people, two separate rooms. See each partner’s room and the total the household can put in.
Each partner has their own TFSA room. For 2026 a couple who are both 18 or older can add $14,000 in new room ($7,000 each), and up to $218,000 combined cumulative room if both have been residents since 2009.
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How couples use TFSA room
Room belongs to each person. The CRA says you may gift your spouse or common-law partner money so they can contribute to their own TFSA, and that this amount, and income earned from it, is not allocated back to you. Neither partner can contribute more than their own available room.
| Both started in | Each | Together |
|---|---|---|
| 2009 (born 1991 or earlier) | $109,000 | $218,000 |
| 2015 | $78,000 | $156,000 |
| 2020 | $45,500 | $91,000 |
| 2026 | $7,000 | $14,000 |
2027: as of 18 October 2026 the CRA limits table lists no 2027 TFSA dollar limit (the cell is blank, although the 2027 RRSP limit is shown). This page uses 2026 figures and will be updated once the CRA publishes the 2027 limit.
For each person’s starting point see TFSA room by birth year.
Frequently asked questions
Can my spouse and I share TFSA room?
No. Each person has their own room. You can gift a spouse or common-law partner money to contribute to their TFSA, but only up to their own available room.
Does gifting money to my spouse for their TFSA create a tax problem for me?
The CRA says the gifted amount and any income earned from it will not be allocated back to you.
What is the combined 2026 TFSA limit for a couple?
$14,000 of new room, $7,000 each, if both are 18 or older.
Do my spouse’s accounts count towards my limit?
No. Your room applies across all of your own TFSAs, and theirs across theirs.
Sources
Checked
- CRA: How to contribute to a TFSA (gifting a spouse money; room applies across all your TFSAs)
- CRA: MP, DB, RRSP, DPSP, ALDA, TFSA limits, YMPE and the YAMPE (TFSA dollar limit by year; the 2027 TFSA cell is not listed)
- CRA: Before you contribute to a TFSA (room starts at 18; 1% a month on an excess)
Runs entirely in your browser. Nothing you type is sent or stored. This is an independent guide, not the CRA; confirm your own room in your CRA account or your institution's records.
Not advice
Assumes both partners have been Canadian residents since turning 18. Confirm each person’s room in their own CRA account. Not financial or tax advice.