It’s not that the TIFF is unrealistically large; it’s the opposite: The raw file is unrealistically small.
If you do the math for the file size of a generic image (from any source, or any application), you can work out how big it will be:
Number of pixels tall
𝗑
Number of pixels wide
𝗑
Number of bits per pixel
𝗑
Number of channels
𝗑
Number of layers
+
metadata, composite preview, and so on.
If you do all that math, you will come up with a file size roughly equal to an uncompressed TIFF. That is the natural size of an image.
The raw file is unnaturally small, because it is only one monochrome channel at a certain number of bits per pixel. No layers, masks, etc. But you cannot view, edit, or print it, because raw data must first be demosaiced into RGB for any of that to be possible. It must become non-raw. That’s where the trouble starts: You see the nice small raw file, but to take it into a form that will let you do something with it, it cannot stay at that size. It must become larger.
You open the raw file in Photoshop, which converts it to RGB. Now you have three channels instead of one, resulting in a roughly 3x increase in file size. Maybe your camera shoots at 14 bits per pixel, but you opened it into a 16 bits per pixel Photoshop file so file size goes up some more due to that.
Then you add one layer, so that immediately doubles the file size. Then you add more layers, masks, channels, Smart Objects… You can see how it happens. The file size only goes up from there.
If you want smaller TIFF files, something has to give. Reducing these make the most difference:
- Pixel dimensions (width vs height)
- Bit depth
- Number of layers
We can be surprised by the size of today’s RGB images because for many years we all worked with 7-ish megapixel images (3000 𝗑 2400 pixels, like a typical scan that would print 8 x 10 inches at 300 ppi), at 8 bits per pixel. Today we could be opening images that are 42 or more megapixels at 16 bits per pixel: 6 or more times the pixel dimensions per side, at double the bit depth! That is a tremendous increase in the data we are capturing and editing, so the resulting PSD/TIFF files have gotten gargantuan…especially after piling on layers, masks, and more on top of that.
In a single-layer document, the file size will be smaller if the one layer is a Background layer instead of a layer that supports transparency (e.g. “Layer 1”). The file size of a layered document will be smaller if the Maximize PSD and PSB File Compatibility option is disabled (in Preferences > File Handling), because that embeds one more image that is a composite preview of all the layers.