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TFSA RRSP FHSA Tracker 2026 All-in-One, Canada Contribution Room Spreadsheet, Over-Contribution Penalty Warnings, Google Sheets Excel

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  • Digital download
  • Digital file type(s): 2 Files

TFSA, RRSP and FHSA in one spreadsheet, with red warnings before you hit CRA's 1%-per-month over-contribution tax.

Most free trackers cover one account at a time. This one tracks all three Canadian registered accounts from a single transaction log, and flags the moment you go over in any of them:

TFSA: room rebuilt year by year from 2009 using CRA's annual limits ($7,000 for 2026). Starts the year you turned 18 and were resident, and adds withdrawals back the following January, the way CRA does. Flags any year you over-contributed.
RRSP: your 2026 deduction limit (from your Notice of Assessment, or estimated as 18% of earned income up to $33,810). Counts contributions from March 3, 2026 to March 1, 2027, applies the $2,000 buffer, and estimates the monthly penalty if you go past it.
FHSA: $8,000 a year, $40,000 lifetime, carry-forward up to $8,000, starting the year you open it.

• One summary page: room left in all three accounts, plus red over-contribution warnings
• One transaction log for every account and institution (no separate files per account)
• Optional boxes to paste your CRA My Account numbers, which override the estimates (CRA is the official record)
• Every limit cited to its official CRA source

Blank + filled example included: you get a BLANK file ready for your own numbers and an EXAMPLE file filled with sample data so you can see how everything works. Google Sheets tip: import it, then File > Make a copy to keep a clean original.

Works with Excel, Google Sheets and LibreOffice. Instant download.

Limits are from the Canada Revenue Agency, with links on the Sources tab. Not financial or tax advice.

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Listed on Oct 12, 2026
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