Tax calculators Canada for GST/HST and business planning
Free Canadian tax calculators and planning tools for GST/HST, tax set-asides and small business accounting estimates.
GST / HST calculator
Add or remove GST/HST from an amount at your provincial rate.
Note: some provinces charge PST or QST separately from GST. This tool covers the GST/HST portion only.
Tax set-aside estimator
A simple guide to how much of your self-employment income to park for tax. Adjust the rate to your situation.
Estimate only, not tax advice. Your real rate depends on your total income, province, deductions and instalments. Ask us for a precise number.
What these tax calculators do and do not do
Are these calculators accurate enough to file with?
They are planning estimates, not a filing position. The GST/HST calculator applies a single rate to a single amount, and the set-aside estimator applies a flat percentage. A real return accounts for your total income, province, deductions, credits and instalments already paid. Use these to plan cash flow, then let us calculate the actual figure.
Calculators are a planning tool, not a filing position. They can help you estimate GST/HST, tax set-asides or business cash needs before a deadline, but the final amount still depends on records, province, income type, deductions, credits and payment timing.
Calculators can help with early planning when you are deciding what to set aside, whether a price includes tax, or how much cash might be needed before a filing. They are useful because they make the question concrete, but they should not replace a review of the actual books.
Calculators also help owners notice when a question needs advice. If the estimate changes a decision, the file should be reviewed before money is moved or a return is filed.
A quick estimate is useful when it leads to a better question.
Which GST/HST rate should I pick?
Use the rate for the province where the supply is considered to be made, which is usually where your customer is, not where you are. Ontario is 13% HST, the Atlantic provinces are 15%, and most western provinces are 5% GST with separate provincial sales tax. If you sell across provinces, see our GST/HST service.
Calculators are most useful when paired with bookkeeping. A clean set of numbers makes any estimate more realistic, while messy records can make even a good calculator misleading. Use the result as a conversation starter, then confirm the real return before paying or filing.
Calculators work best when the input is clean. If sales, expenses, GST/HST, payroll or owner draws are not reconciled, the estimate can look precise while still being wrong. That is why we pair tools with bookkeeping and filing review.
That is why the numbers should be treated as a starting point, not the final answer.
Does the set-aside percentage include CPP?
It can, and that is why the default sits at 25%. Self-employed Canadians pay both halves of CPP on top of income tax, which catches a lot of people out in their first year. If your income is higher or you have little in the way of deductions, slide it up.
For self-employed owners, calculators should leave room for CPP and surprises. Income tax, sales tax, instalments and benefit changes can overlap, so a set-aside estimate should be conservative until the return is prepared.
Use Calculators as a warning light. If the number looks uncomfortable, it is better to adjust early than wait until CRA or a year-end return forces the conversation.
Why does the GST/HST calculator not handle PST or QST?
Those are separate provincial taxes with their own rules and registration thresholds, so folding them into a quick estimator would give false confidence. If you sell into British Columbia, Saskatchewan, Manitoba or Quebec, ask us and we will map exactly where you need to register.
Want the exact figure, not an estimate?
We’ll calculate your real tax position and set up instalments so nothing surprises you. Call or WhatsApp to get started.
No pressure, no jargon, just a straight answer about your numbers.