Canada Car Tax Calculator 2026

Canada does not use a UK-style annual road tax. When you buy a vehicle, you usually pay federal GST and/or provincial HST, PST, RST, or QST based on where you register the vehicle. Dealers often collect tax at sale; private sales are frequently taxed at registration.

Use this calculator to estimate the tax line before you budget insurance, registration fees, and financing.

Private-sale paths often drop GST/HST and use a provincial registration tax instead — especially in Ontario (RST) and Quebec (QST).

Ontario dealers charge 13% HST on the purchase (trade-ins usually reduce the taxable base). Private purchases typically trigger 13% Retail Sales Tax (RST) at ServiceOntario on the greater of the sale price or Canadian Red Book wholesale value from the UVIP.

Writing a lower price on a Kijiji bill of sale does not reliably lower the tax base.

Tax generally follows where you register, not where the seller lives. An Ontario resident who buys in Alberta still faces Ontario rules when plating the vehicle at home.

• Alberta private sales are often low-tax locally — but your home province can still collect.
• BC passenger PST rises with price; high-value vehicles are not stuck at 7%.
• Quebec stacks GST and QST on dealer deals; private deals are usually QST-focused.

New subject vehicles with a taxable amount over $100,000 may owe federal luxury tax equal to the lesser of 10% of the taxable amount or 20% of the amount above $100,000 (CRA / Select Luxury Items Tax Act). Tick the checkbox in the calculator to include this estimate.

Run your exact price, trade-in, and province above for a tailored breakdown.