How the Newfoundland and Labrador Sales Tax Calculator Works
This calculator applies the Newfoundland and Labrador 15% HST to standard retail purchases. For insurance premiums, a separate 15% RST applies instead of HST — that amount is handled by your insurer and is not reflected in this tool, which covers general goods and services.
- Standard calculation: Enter the before-tax amount. Whether you are shopping in St. John's or Corner Brook, the calculator automatically applies the flat 15% HST to show your final out-of-pocket cost.
- Reverse calculation (tax included): Turn on “Amount includes tax?”. Enter the final amount you paid, and the calculator works backward to separate the 15% HST from the original pre-tax price.
Understanding HST and PST in Newfoundland and Labrador
Like its neighbors, NL uses the 15% HST (5% Federal + 10% Provincial). However, it is distinct in applying a 15% Retail Sales Tax (RST) on insurance premiums for property and vehicles.
NL's 15% RST on insurance premiums is administered directly by the provincial government — not the CRA — and replaces HST on those products rather than adding to it. Insurance companies remit this RST directly to the province. For policyholders, the practical implication is that auto and property insurance quotes already include the 15% RST in the total displayed premium; no additional tax is charged at renewal.
- HST (Federal Portion): 5%
- HST (Provincial Portion): 10%
- Total: 15%
Retailers in Newfoundland and Labrador display sticker prices before tax. You must always anticipate the 15% HST addition at the checkout counter. Use the 'Amount includes tax?' toggle to easily figure out the exact tax portion on a paid invoice.
This table provides an overview of Canada's sales tax rates for 2026, broken down by province and
territory. It shows how the GST combines with provincial taxes - including
HST, PST, and QST - to determine the total sales tax rate applied to purchases across Canada.
The Total column reflects the combined tax rate consumers typically pay at checkout, helping
individuals and
businesses quickly estimate the final cost of goods and services depending on location.
Like its Atlantic neighbors, Newfoundland and Labrador applies a combined 15% HST rate, which ties for the highest retail sales tax tier in Canada.
| Province / territory |
GST / HST |
PST |
QST |
Total |
| Alberta (AB) |
5% |
0% |
- |
5% |
| British Columbia (BC) |
5% |
7% |
- |
12% |
| Manitoba (MB) |
5% |
7% |
- |
12% |
| New Brunswick (NB) |
15% |
- |
- |
15% |
| Newfoundland and Labrador (NL) |
15% |
- |
- |
15% |
| Nova Scotia (NS) |
14% |
- |
- |
14% |
| Northwest Territories (NT) |
5% |
0% |
- |
5% |
| Nunavut (NU) |
5% |
0% |
- |
5% |
| Ontario (ON) |
13% |
- |
- |
13% |
| Prince Edward Island (PE) |
15% |
- |
- |
15% |
| Quebec (QC) |
5% |
- |
9.975% |
14.975% |
| Saskatchewan (SK) |
5% |
6% |
- |
11% |
| Yukon (YT) |
5% |
0% |
- |
5% |
Rates shown are based
on the most commonly applied public tax rates and may vary for certain goods, services,
or tax-exempt situations.
How to calculate sales tax in Newfoundland and Labrador (before tax and tax included)
The exact calculation formula in Newfoundland and Labrador is: Total = Amount × 1.15. Example: a $600 appliance in St. John's costs $690 after tax ($30 federal HST + $60 provincial HST). To find the pre-tax amount from a $690 receipt, divide by 1.15 to get $600.
Total including tax = Before-tax amount × (1 + 15%)
Before-tax amount = Total including tax ÷ (1 + 15%)
Rules & Exemptions
- Books are eligible for a point-of-sale rebate of the 10% provincial tax.
- The province applies a 15% retail sales tax on insurance premiums (property and vehicles), which is separate but equivalent to the HST rate.
- Used vehicles sold privately are taxed at 15% based on the Red Book value.
FAQ - Newfoundland 2026
Why is my car insurance taxed?
Newfoundland charges a 15% Retail Sales Tax on insurance premiums, which is separate from but equal to the HST rate.
Is the tax rate the same in Labrador?
Yes, the 15% HST applies uniformly across the entire province, including Labrador.
Do I pay tax on boat purchases?
Yes, boats and aircraft are subject to the 15% tax, whether purchased from a dealer or privately.
