Contribution Room: TFSA & IRA

Know exactly how much contribution room you have left, in every registered account, in one place.

Contribution Room is an independent app. It is not affiliated with, endorsed by or operated by the Canada Revenue Agency, the Government of Canada, the IRS, the U.S. government or any financial institution, and it does not represent a government entity.

Contribution Room tracks your Canadian and US registered accounts side by side. Add your contributions, and the app shows how much room remains this year, what is coming due, and when each deadline lands. No bank links, no sign-up, no accounts to create.

CANADA
- TFSA
- RRSP and Spousal RRSP
- FHSA
- RESP
- RDSP

UNITED STATES
- Traditional IRA and Roth IRA
- 401(k), 403(b) and TSP
- Solo 401(k), SEP IRA and SIMPLE IRA
- 457(b)
- HSA, Health FSA and Dependent Care FSA
- 529 plans, Coverdell ESA and ABLE

WHAT YOU GET
- Room left, at a glance: a clear total and a per-account breakdown with a progress ring.
- Deadlines: the next contribution deadline for each account, with reminders.
- Catch-up limits: add your birth year (optional) and age 50+ catch-up limits are applied for you.
- Current limits: yearly limits update automatically when new figures are published.
- Private by design: your numbers stay on your phone. Optional sync is end-to-end encrypted and goes only to a file you choose in your own iCloud Drive or other storage.
- Available in English, French and Spanish.

FREE AND PREMIUM
The free plan tracks one account. Premium tracks all of your accounts and adds a refund and tax savings estimate, Smart Split for lump sums, Notice of Assessment scanning, one limit across several banks, a household view with encrypted partner sync, growth projections, an RESP grant catch-up planner, receipts with a year-end tax pack, and colour themes and app icons.

Premium is a monthly or yearly subscription (free trial on the yearly plan) or a one-time lifetime purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple ID account settings.

OFFICIAL SOURCES
Limits and rules come from these official pages. Always confirm with them:
Canada
- TFSA: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account.html
- RRSP deduction limit: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/contributing-a-rrsp-prpp/where-you-find-your-rrsp-prpp-deduction-limit.html
- FHSA: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/first-home-savings-account.html
- RESP: https://www.canada.ca/en/services/benefits/education/education-savings/resp.html
- RDSP: https://www.canada.ca/en/employment-social-development/programs/disability/savings.html
United States
- IRA limits: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits
- 401(k) and 403(b): https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-401k-and-profit-sharing-plan-contribution-limits
- TSP: https://www.tsp.gov/contribution-limits/
- 457(b), SIMPLE IRA, SEP IRA: https://www.irs.gov/retirement-plans/cola-increases-for-dollar-limitations-on-benefits-and-contributions
- HSA and FSA (Pub. 969): https://www.irs.gov/publications/p969
- Dependent care (Pub. 503): https://www.irs.gov/publications/p503
- 529 and Coverdell (Pub. 970): https://www.irs.gov/publications/p970
- ABLE: https://www.irs.gov/government-entities/federal-state-local-governments/able-accounts-tax-benefit-for-people-with-disabilities

A tracking and planning tool, not tax, legal or investment advice. Your actual room can differ (unused room, over-contributions, your notice of assessment), so always confirm with official sources.

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