Add GST/HST, or GST plus QST or PST, to a renovation contract price to see the tax and the total you will actually pay.
Enter the contract price before tax, the combined rate your contractor charges on the invoice, and any costs you pay outside the contract. The calculator adds the tax and those costs to give the total to budget.
Formula: tax = price × rate; total = price + tax + outside costs.
Rates to enter (checked against the CRA's GST/HST rate table, October 2026): 13% HST in Ontario; 15% HST in New Brunswick, Newfoundland and Labrador and Prince Edward Island; 14% HST in Nova Scotia (since 1 April 2025); 5% GST in Alberta and the territories; 14.975% in Quebec (5% GST plus 9.975% QST, both on the pre-tax price); 11% in Saskatchewan, where contractors generally charge 6% PST on the whole contract. In British Columbia and Manitoba, contractors usually pay PST or RST on materials themselves and include it in the price, so you normally enter 5% for the GST shown on the invoice. See GST/HST on renovations.
Worked example (illustrative, the default): an Ontario bathroom contract of $40,000 before tax: HST = $40,000 × 13% = $5,200; with $1,200 of permit and other outside costs, the total to budget is $40,000 + $5,200 + $1,200 = $46,400.
Limits: rates can change; confirm them on canada.ca and with your provincial finance ministry. Items you buy yourself (for example appliances or tiles) carry tax at the store; add them separately.
Costs, drivers and 2026 rules
Which sales taxes apply to renovation contracts in each province, how PST works for contractors in BC, Manitoba and Saskatchewan, substantial renovations and worked tax examples.
