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That it taxation of 1% a month is dependant on the best excessive TFSA number on the make up every month where an excess stays. As a result the brand new step one% taxation applies to have a certain week even when an excess TFSA matter are discussed and you will taken after within the exact same few days. Francine’s unused TFSA contribution room after 2023 is actually bad (-) $7,five-hundred. To your January step 1, 2024, she turned eligible to the girl 2024 TFSA money limit away from $7,100. Although this helped to attenuate the other TFSA amount away from $7,five hundred so you can $five-hundred, it failed to totally consume they.

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