Skip to main content

Newfoundland Sales Tax Calculator 2026 | 15% HST

Updated

This calculator adds Newfoundland and Labrador’s HST to a price, or switches to reverse mode to take it out of a total you’ve already paid.

What do you want to do?
Amount Before Tax (Pre-Tax)
Total After Tax
Pre-Tax Amount
GST
Total Tax

Stores round the tax on each receipt, so a total can differ from this result by a cent or two.

How the HST works in Newfoundland and Labrador

Newfoundland and Labrador charges the 15% Harmonized Sales Tax: the 5% federal GST and a 10% provincial part, collected together by the Canada Revenue Agency. A $100 purchase costs $115.00.

The province was one of the first to harmonize, joining the HST with Nova Scotia and New Brunswick on April 1, 1997. Its most recent rate change:

  • July 1, 2016: Newfoundland and Labrador increased HST from 13% to 15%

That put Newfoundland and Labrador at 15%, tied for the highest sales tax in Canada; the provinces at that rate are New Brunswick, Newfoundland and Labrador and Prince Edward Island. The sales tax by province page compares every province.

Books: the one point-of-sale rebate

Newfoundland and Labrador rebates the 10% provincial part of the HST at the till on printed books, including audiobooks and printed scripture. A $20 book therefore costs $21.00 after tax instead of $23.00.

Unlike PEI and Nova Scotia, the province has no point-of-sale rebate on children’s clothing and footwear, so those carry the full 15%. Basic groceries and prescription drugs carry no HST at all under the federal rules, which the zero-rated and exempt section explains.

The separate tax on insurance premiums

On top of the HST, Newfoundland and Labrador charges a 15% retail sales tax on taxable insurance premiums for property, risks and events in the province. Many policies households buy are exempt:

  • Automobile insurance (the tax was removed in 2019)
  • Life insurance, and accident and sickness insurance
  • Personal property insurance
  • Residential mortgage default insurance

Trip cancellation insurance for travel that starts in the province is taxable, though.

Insurance premiums aren’t subject to the HST itself, since financial services are HST-exempt.

Credits that return some of the tax

Lower-income residents get part of their sales tax back through the federal Canada Groceries and Essentials Benefit (the former GST/HST credit) and the provincial NL Income Supplement, which replaced the province’s own HST credit. Both are paid automatically when you file a tax return; the payment dates page lists when the federal payment arrives.

Buyers of a newly built home pay the HST on the purchase and may qualify for the federal part of the GST/HST new housing rebate; Newfoundland and Labrador has no separate provincial new housing rebate.

For businesses

A Newfoundland and Labrador business registers for and files the HST with the Canada Revenue Agency, and, if it sells taxable insurance, deals with the insurance premium tax separately with the province. The GST/HST calculator for business owners covers HST registration, filing frequency and the Quick Method.

Sources

The figures and rules on this page come from these sources, last checked against them on September 24, 2026. How we check facts.