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Car Loan Calculator Canada (with Sales Tax)
Free car loan calculator for Canada: your monthly, bi-weekly and weekly payment with your province's GST/HST/PST, fees, down payment and trade-in, plus the total interest and cost.
Your vehicle
Monthly payment
$640.28
| Bi-weekly | $295.51 |
| Weekly | $147.76 |
| Sales tax | $4,667 |
| Amount financed | $37,566 |
| Total interest | $8,534 |
| Total cost | $49,100 |
Tax is worked out on the price plus fees. At a dealer, most provinces tax only the price minus your trade-in. BC charges a higher PST on vehicles over $55,000, and private used-car sales are taxed differently in several provinces: change the rate if needed. Bi-weekly payments cost about the same as monthly ones.
Rules last checked October 2026. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: FCAC: financing a car
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
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Questions people ask
Is sales tax charged on a trade-in?+
At a dealer, most provinces charge tax only on the price minus your trade-in, which can save you hundreds.
Are bi-weekly car payments cheaper?+
Barely: 26 bi-weekly payments equal 12 monthly ones, so you pay about the same interest.