2026 Figures > FHSA 2026: Limits and Rules
FHSA 2026: Limits and Rules
How much can you contribute to an FHSA in 2026?
$8,000 per year, $40,000 lifetime, with up to $8,000 of unused room carried forward; maximum duration of 15 years.
Verified on 2026-09-25 · official source
- Contributions are deductible like an RRSP; a qualifying withdrawal is tax-free like a TFSA.
- A direct RRSP-to-FHSA transfer is allowed (no tax, no refund) but uses up FHSA room.
- Can be combined with the Home Buyers' Plan for a first purchase.
Frequently Asked Questions
Can the FHSA be combined with the Home Buyers' Plan?
Yes. The HBP allows a withdrawal of up to $60,000 from an RRSP, in addition to the FHSA.
Apply this figure to your client's file
Atlas CSF+ calculates the impact for your client (tax, OAS, GIS, retirement) using official 2026 figures and produces the client report.