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2026 Contribution Limits

TFSA

Cumulative room since 2009. Unused room carries forward.

$7,000

RRSP

18% of previous year earned income, up to max. Unused room carries forward.

$32,490

FHSA

First Home Savings Account. $40K lifetime max.

$8,000

RESP

Per beneficiary to get full 20% CESG match ($500/yr).

$2,500

401(k)

Employee contribution limit. Employer match is additional.

$23,500

+$7,500 (age 50+)

IRA (Traditional/Roth)

Combined limit across Traditional + Roth.

$7,000

+$1,000 (age 50+)

HSA (Family)

Health Savings Account. Triple tax advantage.

$8,300

+$1,000 (age 55+)

HSA (Individual)

Must have HDHP. Unused balance rolls over.

$4,150

+$1,000 (age 55+)

529 Plan

Per beneficiary gift tax exclusion (no federal limit on contributions).

$18,000

Data sourced from Federal Reserve (FRED). This is for educational purposes only.

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