How to track TFSA room across multiple providers

The problem

Most investors have more than one TFSA — EasyEquities, a bank TFSA, an RA provider's tax-free product, or an offshore wrapper. Each provider's app only shows contributions to their account. None of them show your total room across SARS's combined limit.

Exceed the annual limit (R46,000 for 2026/27) or lifetime limit (R500,000) and SARS charges a penalty of 40% on the excess. That's why a cross-provider view matters.

What you need to track

• Contributions in the current tax year (March–February) across every TFSA
• Lifetime contributions since your first TFSA opened
• Remaining annual and lifetime room before your next contribution

Limits shown are for the 2026/27 tax year. Refresh after each National Budget — figures change. Planning estimates only, not SARS-verified.

Spreadsheet vs a dedicated tracker

A spreadsheet works if you maintain it religiously and update every provider every month. Most people don't — and the formulas break when limits change or accounts are added.

Libevyn adds up the contribution totals you enter per TFSA account and shows remaining room in one place, alongside your full net worth and FIRE portfolio.