What Is a Percentage Calculator?

A percentage calculator handles the everyday maths Canadians encounter constantly — adding GST and HST at checkout, calculating a restaurant tip, working out the percentage a pay raise represents, or tracking how much home prices have changed in your city. This tool gives you instant answers across eight common percentage scenarios.

How to Calculate a Percentage of a Number

Divide the percentage by 100, then multiply by the number. 15% of C$280: (15 ÷ 100) × 280 = C$42.

Canadian examples:

5% federal GST on a C$1,200 appliance: 5% of C$1,200 = C$60.
13% HST (Ontario) on a C$95 item: 13% of C$95 = C$12.35 → total C$107.35.
15% tip on a C$78 restaurant bill: 15% of C$78 = C$11.70.
18% RRSP contribution room on earned income of C$92,000: 18% of C$92,000 = C$16,560 (subject to the annual dollar limit).

What Percentage Is X of Y?

Divide X by Y, multiply by 100. If you've saved C$14,500 toward a C$55,000 down payment: 14,500 ÷ 55,000 × 100 = 26.4% of the way there.

Percentage Increase and Decrease

Home price example: A Toronto condo purchased for C$580,000 in 2019 sold for C$720,000 in 2024. Increase = ((720,000 − 580,000) ÷ 580,000) × 100 = 24.1%.

Pay rise: Salary goes from C$67,000 to C$71,500. Increase = ((71,500 − 67,000) ÷ 67,000) × 100 = 6.7%.

Gasoline price drop: Gas falls from C$1.82/L to C$1.54/L. Decrease = ((1.82 − 1.54) ÷ 1.82) × 100 = 15.4% cheaper.

Canadian Sales Tax — Add and Remove

Canada has a layered tax system. The pre-filled rate of 13% reflects Ontario's HST. Adjust to your province:

Province / Territory	Tax Type	Rate
Ontario	HST	13%
British Columbia	GST + PST	12%
Alberta	GST only	5%
Quebec	GST + QST	14.975%
Nova Scotia	HST	15%
Manitoba	GST + PST	12%
Saskatchewan	GST + PST	11%
New Brunswick / PEI / NL	HST	15%

Adding HST (Ontario, 13%): C$350 service + 13% HST = C$350 × 1.13 = C$395.50. Use "Add Tax / Tip" with 13%.

Removing HST: You have a C$395.50 receipt including HST. Pre-tax = C$395.50 ÷ 1.13 = C$350. Use "Remove Tax" — do not subtract 13% directly, that gives C$344.09, which is wrong.

Tip Calculator

Restaurant tipping norms in Canada: 15% for standard service, 18–20% for good service, 20%+ for excellent. On a C$96 bill with 18% tip: C$96 × 1.18 = C$113.28 total. Use "Add Tax / Tip" and enter 18%.

Frequently Asked Questions

How do I calculate HST on a purchase?

Multiply the pre-tax price by your province's HST rate. In Ontario at 13%: C$200 × 0.13 = C$26 HST → C$226 total. Use the "Add Tax / Tip" tab.

How do I find the pre-tax price from a receipt?

Divide the total by (1 + tax rate). C$226 ÷ 1.13 = C$200 pre-tax. Use "Remove Tax" with 13% (or your province's rate).

How is RRSP contribution room calculated?

Your RRSP limit is 18% of your prior year's earned income up to the CRA annual maximum (C$31,560 for 2024). Use "% of a Number" with 18% and your earned income to estimate.

What is the percentage change in Canadian housing prices?

Use the "% Increase" or "% Change" tab. Enter the old price in "From" and the new price in "To". The calculator handles the formula automatically.

What tip percentage is standard in Canada?

15% is considered the minimum for satisfactory service. 18–20% is common for good service. Many POS terminals now suggest 18%, 20%, and 25% as default options.

How do I calculate the percentage of my mortgage payment to income?

Use "What % is X of Y?" — enter your monthly mortgage payment as Number 1 and your gross monthly income as Number 2. Financial advisors typically recommend keeping this under 28–32%.

Free to use, no account required. For invoicing and business finance tools, see Invoice24 Canada.