TFSA + RRSP Planner
What did your non-residency cost in TFSA and RRSP room?
TFSA contribution room does not accrue during years you were a non-resident of Canada. The room is permanently lost, not deferred. RRSP room is different — it accrues only if you had Canadian-source earned income during those years.
Your timeline
Result
$32,500 CAD
TFSA contribution room forfeited.
Over 5 non-resident years, $32,500 CAD of TFSA contribution room is permanently lost. No RRSP room accrued because there was no Canadian-source earned income.
Year by year
| Year | TFSA limit (CAD) |
|---|---|
| 2021 | $6,000 |
| 2022 | $6,000 |
| 2023 | $6,500 |
| 2024 | $7,000 |
| 2025 | $7,000 |
RRSP
Because there was no Canadian-source earned income during non-residency, no RRSP contribution room accrued for those years. Forward years from the return generate room normally once income is earned in Canada.
Build the rest of your re-entry plan
The Re-entry Planner generates a week-by-week checklist for everything else: provincial health card, driver's license, OAS/GIS/CCB resumption, banking, tax filings.
