As we do every year, it is time to highlight a few important financial numbers for 2026.

TFSA contribution limit: The maximum contribution limit for Tax-Free Savings Accounts this year remains at $7,000. This brings the total lifetime cumulative contribution room to $109,000 for eligible investors. TFSAs offer a valuable tax break that all investors should take advantage of. In the past, we discussed just how powerful a tool these accounts have become in our article, The eye-opening difference of using your TFSA for investing vs. saving.

RRSP contribution limit: The maximum you can add to your Registered Retirement Savings Plan this year is the lesser of 18% of your 2025 earned income or $33,810 (unless of course you have unused contribution room from previous years).

If you’re unsure which account is best for you, our TFSA vs RRSP Calculator can help.

FHSA contribution limit: For those who have opened a First Home Savings Account, you can contribute $8,000 in 2026. If you opened one of these accounts in previous years and didn’t maximize your contribution, you can carry forward up to a maximum of $8,000 unused contribution room to this year. For a refresher on the rules and benefits of these accounts, check out our guide.

As a reminder, you can contribute to your accounts with us by calling 1-888-888-3147 between 7am and 5pm PT, Monday to Friday. We can electronically transfer money from the bank account we have on file to your Steadyhand accounts.