Canada doesn't do simple sales tax. Depending on your province you're juggling the 5% federal GST, a blended HST, a separate PST, or Quebec's QST, which is calculated on the GST inclusive price, because of course it is. This page is built for that reality: sales tax by province, mortgages the Canadian way, wages in CAD. Free, instant, no sign up.

The rulebook, province by province: 5% GST everywhere, then the provinces diverge. Ontario and the four Atlantic provinces roll it all into one HST, 13% in Ontario, 15% out east. BC adds its own 7% PST on top of the GST for 12% total. Alberta charges no provincial tax at all, just the federal 5%. And Quebec's 9.975% QST applies to the GST inclusive price, the one province where the order of operations actually matters. Run any purchase through a gst calculator canada that knows the provinces and the right combination lands automatically: a $1,000 laptop is $1,130 in Toronto, $1,150 in Halifax, $1,120 in Vancouver. No mental maths, no wrong guess at the till.

Canadian mortgages quote interest differently from American ones, fixed rates compound semi annually, not monthly, and a US built calculator silently gets your payment wrong. Our mortgage calculator canada includes both compounding modes, so choose the Canadian fixed rate setting and the figure matches what your bank actually quotes. Terms run from 10 to 35 years, with 25 the norm. One more thing worth knowing, even though it's arranged with your lender rather than any calculator: many Canadians take accelerated bi weekly payments, which quietly add one extra monthly payment a year and shave years of interest off the loan.

A $22 an hour offer at 37.5 hours a week is $42,900 a year, worth knowing before the interview, not after. Our salary calculator goes past the rough ×2,080: it handles overtime at time and a half, unpaid weeks off and part time schedules, and returns weekly, bi weekly, monthly and annual figures in CAD. Gross pay, mind, income tax, CPP and EI come off afterwards.

Tipping in Canada runs 15 to 20% of the pre tax bill, and the maths gets political fast at a big table. The tip calculator settles it in seconds: enter the total, pick your percentage, set the headcount, and read off the tip, the new total and each person's share. Fair, fast, and nobody has to do long division after two glasses of wine.

These tools speak Canadian: metric where it matters, en CA spellings, results in CAD, and everything computed in your browser, so your salary and mortgage numbers never leave your device. No accounts, no downloads. Just the right number, under the right province's rules.

Frequently asked questions

What is the difference between GST, HST, PST and QST in Canada?

GST is the 5% federal Goods and Services Tax charged across Canada. HST (Harmonized Sales Tax) blends the federal GST with provincial tax into one charge, 13% in Ontario and 15% in the Atlantic provinces. PST (Provincial Sales Tax) is charged separately on top of GST in British Columbia and Saskatchewan. Quebec has its own version, the QST, charged at 9.975% on top of the federal GST. Our sales tax calculator applies the right combination automatically based on the province you select.

Which provinces charge HST instead of GST plus PST?

Five provinces use the HST: Ontario at 13%, and New Brunswick, Newfoundland and Labrador, Nova Scotia, and Prince Edward Island at 15%. Everywhere else, including Alberta, which charges no provincial sales tax at all, the 5% GST applies, with BC, Saskatchewan, Manitoba (RST), and Quebec adding their own provincial taxes on top.

How are Canadian mortgage payments typically calculated?

Canadian mortgages usually quote interest rates compounded semi annually, not in advance, which is different from how US mortgages work. Most borrowers pick a 25 year amortization, though shorter terms are available, and payments are most commonly monthly, bi weekly, or accelerated bi weekly. Accelerated bi weekly payments, half your monthly payment every two weeks, effectively add one extra monthly payment per year, paying your mortgage off faster and saving interest. Our mortgage calculator uses the Canadian compounding method so your estimates match what lenders actually quote.

How much should I tip in Canada?

The standard restaurant tip in Canada is 15 to 20% of the pre tax bill, with 18% a common middle ground for good service. For takeout or counter service, tipping is optional and usually smaller, around 10%. Bartenders, hairdressers, and taxi drivers typically get 15 to 20% as well. Our tip calculator lets you enter any percentage and split the total evenly between everyone at the table.

How do I convert my hourly wage to an annual salary in Canada?

Multiply your hourly rate by the hours you work per week, then multiply by 52 weeks. For example, $25/hour at 40 hours a week equals $52,000 a year. If you work part time or your hours vary, enter your actual weekly hours in our salary calculator and it converts to annual, monthly, and bi weekly figures in CAD automatically. Remember this is gross pay, income tax and deductions come off afterwards.

Is Quebec's sales tax really charged on top of the GST?

Yes. Quebec is the only province where the provincial tax (QST at 9.975%) is calculated on the GST inclusive price rather than the pre tax price. On a $100 item, 5% GST takes it to $105, then 9.975% QST on that $105 adds $10.47, a total of about $115.47, not the $114.98 a flat 14.975% addition would give. It's a small difference, but it's exactly the kind of detail a generic calculator gets wrong. Select Quebec in our tax calculator and it handles the QST on GST calculation for you.

Free Canada Calculators

Free Canadian Calculators: Sales Tax, Mortgage, Salary & More