The $109,000 TFSA Milestone: How Do You Stack Up? [Yahoo! Finance Canada]
Enbridge Inc (ENB)
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Source: Yahoo! Finance Canada
For some Canadians, that means simply using the account every year. For others, it means building enough room for tax-free , long-term growth, or a future emergency fund. The best milestone isn't just a big number. It's a sign you built good habits and let time do some of the heavy lifting. A headline number In 2026, the headline TFSA number is $109,000. That's the full cumulative contribution room available to someone who was 18 or older in 2009 and has stayed eligible ever since. It's a fun benchmark, but it's also a reality check. Plenty of Canadians haven't maxed out every year, and that's more normal than social media makes it seem. The point of the milestone isn't perfection. It's knowing what's possible. The gap between the milestone and real life looks pretty wide. CRA's latest TFSA statistics for the 2023 contribution year show the average fair market per individual at $33,534. Statistics Canada also reported that median TFSA contributions across income groups clustered a
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