GST, HST & PST Explained
Canada's sales taxes, decoded: GST is federal (5%), PST is provincial, HST merges the two. What you pay depends entirely on your province.
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GST — the federal 5%
Charged everywhere in Canada on most goods and services.
PST/QST — the provincial layer
BC 7%, SK 6%, MB 7%, QC 9.975% — added on top of GST in those provinces. Alberta and the territories add nothing.
HST — the combo
ON 13%, NS 14%, NB/NL/PEI 15% — one harmonized tax instead of two.
Why track it
Self-employed? GST/HST you pay may come back as input tax credits. EMOH Pay separates it automatically.
Put the guide into practice
Reading is step one. EMOH Pay turns it into a system: budgets, tracking, goals and a daily digest — free to start.
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How EMOH works
Managing money should be effortless. Four small steps, five minutes total:
- 1Make your account — free, on phone or web
- 2Enter your income & accounts
- 3Set budgets — your digital envelopes
- 4Track smart, spend smart — EMOH digests daily
One account. Every screen.
Phone in your pocket, web app on your laptop — the same live numbers everywhere, synced the second anything changes.
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Frequently asked questions
GST, HST & PST Explained — where do I start?
Canada's sales taxes, decoded: GST is federal (5%), PST is provincial, HST merges the two. What you pay depends entirely on your province.
Is EMOH Pay free?
EMOH Pay is free to start on iPhone, Android and the web — budgeting, expense tracking and net worth included. EMOH Pro lifts the limits for just $4.99/month — unlimited bank connections, family members and EMOH Smart, plus full report history and exports.
Does EMOH Pay work on my computer?
Yes. EMOH Pay has a full web app, so you can use it on your laptop or desktop — and everything syncs instantly with the mobile app on your phone.
Is my financial data safe?
Yes. EMOH Pay uses AES-256 encryption, bank connections are read-only through Plaid, and the app is built to Canadian PIPEDA privacy standards.
What should you know about everyday budgeting?
Everyday budgeting comes down to three habits: know what comes in, decide where it goes, and check in daily. EMOH Pay makes all three effortless — free expense tracking and budgets on phone and web, a Daily Money Digest each morning, and bank-grade AES-256 security throughout.
Everyday budgeting: the essentials
Five minutes a week with a daily digest beats a perfect spreadsheet you abandon in February.
AES-256 encryption, read-only bank connections and PIPEDA-grade privacy keep your data yours.
You can start everyday budgeting today at $0 — no card required, on iPhone, Android or the web.
Money works better as a team sport — shared live numbers end the guesswork and the arguments.
Real spending, really tracked
From the morning coffee to the monthly rent — Canadians log, tag and learn from every expense on EMOH Pay.
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