A Canada-specific calculator with the official 2026 gst / pst / hst rules, registration fees, and trade-in tax treatment. See your true monthly payment, total tax, and first-year ownership cost — then compare trade-in vs private sale.
In Canada, the tax on buying a vehicle depends on your province or territory and whether you buy from a dealer or privately. Dealer purchases combine the 5% GST with provincial PST or HST — Ontario charges 13% HST, British Columbia 12%, Manitoba 12%, Saskatchewan 11%, and Alberta and the territories 5% GST only. Private sales are taxed in most provinces too: Ontario 13% HST, BC 12% PST, Quebec 9.975% QST, Manitoba 7% PST, and Saskatchewan 6% PST (exempt if the sale is $5,000 or less). Alberta, the Northwest Territories, Nunavut, and Yukon charge 0% on private sales.
A crucial rule: most provinces calculate private-sale tax on the higher of the declared price or the Canadian Black Book / Red Book wholesale value — so a $1 bill of sale does not avoid the tax, and misrepresenting the price is tax evasion. British Columbia tiers its PST on passenger vehicles by price. From a dealer, PST is 7% under $55,000, rising to 8%, 9% and 10% up to $124,999.99 (plus 5% GST); on private sales it is 12% under $125,000. On both dealer and private sales, PST is 15% from $125,000 to $149,999.99 and 20% at $150,000 and over. Zero-emission vehicles have higher thresholds. A federal luxury tax also applies to vehicles priced above $100,000: the lesser of 10% of the full price or 20% of the amount over $100,000. This calculator applies the correct provincial rate, dealer/private distinction, and federal luxury tax automatically.
Canadian auto loan rates in 2026 typically range from about 7% for new cars to 9% or more for used, depending on credit and whether you finance through a bank, credit union, or dealer. The monthly payment uses a standard amortization formula on the amount financed (price minus down payment and trade-in). Enter your actual pre-approved rate for an accurate figure, and remember that longer terms (72-84 months) lower the monthly payment but sharply increase total interest.
On a dealer purchase, trading in your old vehicle reduces the taxable base in most provinces, saving you the provincial tax on the trade-in amount — a real benefit that narrows the gap between a lower dealer offer and a higher private-sale price. This does not apply to private sales, where you sell separately. The selling-mode calculator quantifies the tax saving for your province so you can decide which route leaves you better off.
It depends on your province and whether you buy from a dealer or privately. Dealer purchases combine GST (5%) with provincial PST or HST — Ontario 13% HST, BC 12%, Alberta 5% GST only. Private sales are taxed in most provinces too: Ontario 13% HST, BC 12% PST, Quebec 9.975% QST, but Alberta and the territories charge 0% on private sales. Select your province and dealer/private toggle for the exact rate.
No. Most provinces calculate private-sale tax on the higher of the declared price or the Canadian Black Book / Red Book wholesale value, so writing $1 on the bill of sale does not reduce the tax owed — and misrepresenting the price is tax evasion. This calculator taxes the price you enter; your province may use a higher book value.
A federal luxury tax applies to vehicles priced above $100,000: the lesser of 10% of the full price or 20% of the amount over $100,000. It applies to most new and used vehicles above the threshold. This calculator adds it automatically when your price exceeds $100,000.
In most provinces yes — on a dealer purchase, your trade-in reduces the taxable base, so you pay tax only on the difference. This does not apply to private sales (you sell separately). The selling-mode comparison shows the saving for your province.
British Columbia tiers its PST on passenger vehicles by price. From a dealer, PST is 7% under $55,000 (12% total with GST), rising to 10% PST between $57,000 and $124,999.99; on private sales it is 12% under $125,000. Above that, PST is 15% from $125,000 to $149,999.99 and 20% at $150,000 and over. This calculator uses 12% as the default; check ICBC / the BC government for the exact rate if your vehicle costs $55,000 or more.
No. It uses publicly available 2026 provincial and federal rates and a standard loan formula. Confirm current rates with your province and the CRA, and your lender, before buying.
Your estimate uses the standard amortization formula for the monthly loan payment and Canada's official 2026 gst / pst / hst, registration, and trade-in tax rules, pre-filled into the fields above. Every rate is editable so you can match your actual quote. On the sell side, the calculator compares trade-in against private-sale net proceeds.