Know Your Numbers Before You Deal
Calculate your true out-the-door cost including provincial taxes, fees, warranty, and environmental protection - then see exactly what you'll pay per month.
Tax is calculated on the full trade-in value, even if there's a lien on it. But only your equity (trade-in value minus what you still owe) reduces what you need to finance - the lien gets paid out first.
BC tiered PST: 7% under $55K, 8% at $55K, 9% at $56K, 10% at $57K, 15% at $125K, 20% over $150K - plus 5% GST. Current combined rate: 12.00%.
Estimated Monthly Payment
Total Interest
$9,234
Total Cost
$54,879
Cost Breakdown
Estimates only. Actual rates, taxes, and fees may vary by dealership and province.
Got a real quote in front of you?
Send it over and I'll tell you what's padded before you sign.
If I can't beat your best offer, you don't pay.
Why the advertised payment isn't your payment
Dealer ads love a low weekly or monthly number. What they don't show up front is the term length, the interest rate, and the fees stacked into the deal behind it.
This calculator builds your real monthly payment from the actual numbers: price, tax, fees, trade-in, term, and rate. That's the number you should be comparing against any offer a dealer gives you.
How Tooned uses this number
Once you know what you should actually be paying, Tooned can hold the dealer to it.
We negotiate the price and the financing terms on your behalf, so the number you calculated here is the number you walk away with, not a higher one buried in fine print.