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Investments

Tax-Free Savings Account (TFSA)

A TFSA is one of the best tools Canadians have to grow wealth without worrying about taxes. Tax-free growth, tax-free withdrawals, and complete flexibility for any goal.

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$7,000 2026 annual contribution limit
Tax-Free All growth and all withdrawals
Carries forward All unused contribution room
No impact On government benefit eligibility
How it works
Getting covered is simple
1

Book a free call

Sri reviews your unique needs, goals, and budget — completely free with no pressure or obligation.

2

Compare top plans

We shop 20+ Canadian insurers to find you the best coverage at the most competitive rate.

3

Get covered fast

Meet Sri on Zoom or in person to submit your application. Many plans are approved within 24–72 hours—often with no medical exam required.

About this coverage
Grow Your Savings Tax-Free in Canada

A TFSA is a savings or investment account where any interest, dividends, or capital gains are completely tax-free — even when withdrawn. Unlike RRSPs, contributions are not tax-deductible, but withdrawals do not affect your taxes or government benefits such as Old Age Security. To open a TFSA, you must be a Canadian resident, 18 years or older, with a valid Social Insurance Number.

As of 2026, the annual contribution limit is $7,000. Any unused contribution room carries forward, giving you flexibility to save more in future years — if you have never contributed since 2009, your accumulated lifetime room could be $95,000 or more. TFSA investments can include cash, stocks, ETFs, bonds, mutual funds, GICs, and segregated funds.

Key benefits
Why Every Canadian Should Have a TFSA

Tax-free growth

Interest, dividends, and capital gains earned inside the TFSA are completely tax-free.

Flexible withdrawals

Withdraw any amount at any time for any reason with zero tax — room is fully restored the following January.

Works for any savings goal

Emergency fund, vacation, home purchase, or retirement — the TFSA fits every financial goal.

Investment flexibility

Hold cash, stocks, ETFs, bonds, GICs, mutual funds, or segregated funds inside your TFSA.

Common questions
Frequently asked questions
The 2026 annual contribution limit is $7,000. Any unused room from previous years accumulates — someone eligible since the TFSA's 2009 launch has a lifetime room of $95,000 as of 2026. Always track contributions carefully to avoid over-contribution penalties.
A TFSA is ideal for short-term savings, high-growth investments, or situations where you expect to be in a similar or higher tax bracket in retirement. An RRSP is better for retirement savings when you expect a lower tax bracket in retirement. Many Canadians benefit from contributing to both accounts for maximum tax advantages.
Yes. Segregated funds inside a TFSA combine tax-free growth with added creditor protection and estate planning benefits through a named beneficiary — bypassing probate on death. Sri can help you invest your TFSA in the most appropriate products for your goals.

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