What does the deal really cost?

How this estimate works

Dealer discount reduces the starting price. Incentives are applied after tax by default; select before-tax only when the dealer confirms that treatment. Sales tax is estimated on the eligible taxable price less trade value, floored at zero. Financed amount = price + tax + payoff − trade − down payment − after-tax rebate.

Monthly payments use a fixed annual rate divided by 12. Regular biweekly payments use 26 periods per year over the same term; they are not accelerated half-monthly payments. Interest totals assume the rate stays fixed and every scheduled payment is made.

For BC zero-emission vehicles, enter dealer-confirmed tax using the override. BC non-ZEV passenger PST is tiered using the price before trade-in; confirm vehicle classification and applicable valuation with the dealer. This calculator excludes luxury tax, registration, dealer fees, accessories, insurance, exemptions, leases, private sales and cross-border transactions. For a vehicle at or above $100,000, obtain a full dealer tax calculation and enter the tax override.

Rates checked October 23, 2026. CRA rates · BC vehicle PST · CRA motor vehicles and trades. Confirm final taxes on the bill of sale.