CCarCost Ontario · HST 13%
Car finance, privately

Know the true cost
of the car before
you sign anything.

CarCost is a quiet, precise studio for Canadian car buyers. Itemized fees, Ontario HST handled correctly, live dealer offers, and five calculators that stay in sync.

Scroll
A $45,000 car, financed
$0per month

That figure includes freight, levies, admin, Ontario HST and interest. Scroll on to see exactly how it is built.

Begin

Every dollar, itemized.

Open the loan planner Browse live deals
Step 01

The price you negotiate

The sticker price, before anything else is added.

Step 02

Fees and levies, itemized

Freight and PDI, the federal A/C tax, tire levy and dealer admin. No lump sums.

Step 03

Ontario HST, 13%

Charged on price plus taxable fees, minus your trade-in. Licensing is not taxed.

Step 04

Your monthly payment

The financed balance at your rate, amortized over your term. Interest shown separately.

Negotiated price
$0
The starting point. Everything else builds on this number.
Taxable fees and levies
$0
Each line item below carries its source: verified dealer figures or labelled typical ranges.
Verified Typical
HST at 13%
$0
Ontario Harmonized Sales Tax · trade-in reduces the taxable base
Monthly payment
$0
Nominal APR, compounded monthly · Canadian standard
Live data

Dealer offers, verified.

Real advertised finance and lease offers from Canadian dealer and manufacturer pages. Every card shows its source and the date it was verified. Apply any finance offer straight into the loan planner.

Federal incentive

The federal EV incentive, explained.

    Official program overview

    Worth knowing

    Provincial top-ups are info only and are never applied to the Ontario math in this tool.

    Checking the latest verified offers…

    Offers expire and vary by dealer, and advertised payments often assume specific trims, down payments and credit approval. Figures were verified against the linked pages on the dates shown. Anything older than 45 days is flagged so you can confirm it with the dealer before relying on it.

    The studio

    Five calculators.
    One set of numbers.

    Every adjustable value has a slider for quick moves and a numeric field for exact entry. Type precisely, or drag freely. They stay in sync.

    Methodology

    How the math works

    1. Loans use the Canadian standard: nominal APR compounded monthly. Payment = P · r(1+r)n / ((1+r)n − 1).
    2. Ontario HST (13%) applies to vehicle price plus taxable fees (freight/PDI, A/C excise tax, tire levy, admin), minus trade-in. Licensing and registration is financed but never HST-taxed.
    3. The federal EV incentive is treated as an additional down payment: it lowers what you finance, but it does not reduce the HST base. Provincial incentives are shown for reference only.
    4. Buy vs lease costs both paths as owning the car outright at the end of the term, so the totals are directly comparable.
    5. Five-year ownership totals cash out (down payment, payments, fuel or charging, insurance, maintenance) and subtracts your equity: estimated resale at 48% of MSRP, minus any remaining loan balance.
    6. Affordability compares all-in monthly vehicle cost to gross monthly income. Many planners suggest keeping it under 15%.

    Estimates only. This tool is not financial advice, and figures should be confirmed with the dealer and lender before you sign anything.