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Message: TFSA
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Dback, the TFSA first came into effect on Jan 1, 2009. Therefore for one individual, the contribution amount that has accumulated so far is $15k. The upcoming 2012 year will add another $5k to the total.

2009 - $5k

2010 - $5k

2011 - $5k

2012 - $5k

TOTAL - $20k

If you have not yet contributed any money to a TFSA, come Jan 1, 2012, you will be eligible to contribute $20k.

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