Free tool · Canada's counter-tariffs on U.S. goods
Will the new tariffs eat your margin, or your loan?
Type what you buy. See the added duty, what it does to your profit, and the
month your bank's coverage test starts to fail.
In force , 893 tariff items at 15%, 25% and 50%Your figures never leave your browser
Rate
Change
Indicative description
Tariff item
Sector
On Sept 8
Rate
Add
Nothing on this list matches that
That is not the same as “no tariff applies.” This list covers only Canada's
counter-tariffs on U.S.-origin goods. Separate U.S. tariffs run in the other direction, and the
plain-language matching here is editorial – it is not part of the official schedule.
Try a broader word, the material rather than the finished product, or the first four digits of
your tariff code. Borderline goods are classified by your customs broker, not by this page.
Browse the whole list by sector
Listed tariff items by sector, split by rate
Count of tariff items in force 8 September 2026. Select a sector to
filter the list.
A real business, run through the list
A three-bay auto shop, and what the list did to its year
Tires, brake pads, oil and filters are not on the list. Steel, springs and the new
hoist are. These figures are already loaded into the calculator below – type over them
with your own.
Put your own volumes against each line. Everything recalculates as you type.
What the columns mean
Purchases are landed cost before duty. Made in is country of origin, where the goods
are made rather than who invoices you – goods made outside the U.S. carry no Canadian
counter-tariff. Bought separates what you buy again every year, which hits margin, from
a one-off purchase such as equipment or a fit-out, which does not touch margin at all: it
enlarges what you borrow.
Loaded from a shared link
These are someone else's figures, carried in the address bar. Edit anything and it becomes
yours; nothing is saved anywhere but this browser.
Purchase line
Tariff item
Rate
Made in
Bought
Purchases C$
Added duty C$
Your business, before the tariff
Last twelve months.
Gross profit over revenue, before the tariff.
Operating profit before interest, tax and depreciation.
0 means you absorb the whole duty.
Three pass-through scenarios
Duty absorbed
EBITDA
Change
DSCR
Full pass-through holds EBITDA in dollars but carries volume risk this page does not
model: recovering the duty through price assumes your customers accept it. Source: rates from the
Department of Finance Canada list effective 8 September 2026.
Step 02
What your lender sees
Your costs rise now. Your lender's test fails months later. Both dates are below.
Why the test fails later than the cost starts
Coverage covenants are tested on a trailing twelve months, so a duty that begins on
8 September 2026 only enters that window gradually: after three months the test carries a
quarter of it, after six months half, and it reaches full weight twelve months on. The ratio
keeps passing for a while after the cost has already started, and that gap is your runway.
Principal plus interest, all facilities.
The minimum in your loan agreement. 1.25 is common.
Lender details – only if your agreement uses them
Cash taxes, unfunded capex, distributions – if your lender deducts
them before coverage. Leave at 0 if not.
Used to price the extra borrowing your one-off purchases now need, on the
terms your existing facility already implies.
Share of equipment and fit-out you borrow rather than pay in cash. 80% is
typical under CSBFP.
Coverage ratio on a trailing-twelve-month basis
The duty enters a trailing-twelve-month test gradually from 8 September 2026 and
reaches full effect twelve months later, which is why a covenant can pass at first and fail later.
Coverage is computed as EBITDA less other cash deductions, over debt service; lenders define it
differently, so use the definition in your own agreement.
Step 03
What to do about it
Each move below fired on the numbers you entered, carries your dollars, and is
ordered by what it is worth.
Worked example
How the auto shop case was built
A fictional three-bay shop with an exhaust bench, modelled the way we model a bank
case: one workbook of assumptions drives every figure, and every purchase line was matched
against the schedule item by item.
The business, as its lender would see it
Metric
Before the tariff
With the tariff
Change
What the numbers said
Finding
Amount
What we would tell this owner to do
What this page could not see
The arithmetic above is sound and it took minutes. But two of the six findings turn on a
customs classification, and the largest one turns on a fact no calculator holds – where a
supplier's goods are actually made. This page cannot settle either.
It also holds everything else still. It does not move your volumes, your prices, your working
capital or your break-even month. It does not cost out the supplier switch, weigh the price
response, or restructure the facility. And it does not produce the forecast a lender will
accept – it produces the reason you now need one.
Screening is where this ends. Your lender starts here
Send the analysis you just built. You get back line-by-line exposure at tariff-item level,
working capital through the change, supplier substitution costed out, and a forecast your
lender will accept – in writing, as documents you can forward. No meetings.
Ask for a tariff exposure check
Six fields, and the numbers you just built
Written reply within one business day, from Artur. If it is not worth doing on
your numbers, the reply says so.
No mail app opened?
Copy the message below and send it from webmail to
info@clarivagroups.ca. This copy is complete – a
mail draft has a length limit, this does not.
Take it with you
Two ways out of this page
Nothing you typed has left your browser. Both options below keep it that way.
Why the link is safe to send
Your figures ride in the part of the address after the #. Browsers
never transmit that to a server – not to ours, not to your host, not to anyone in
between. The link carries your revenue, EBITDA and covenant to whoever opens it, and to
nobody else. There is no account here and no database behind it; the page has no server to
store anything on.
Which also makes it the simplest way to hand this to us: paste the link into an email and
we open exactly the analysis you were looking at, with every assumption intact.
Screening only – what this page is not
Results are matched by description, not by binding classification. Finance Canada's own note
on this list: it “is prepared for information purposes only and has no official
sanction” and must be read with the Schedule to Canada's Customs Tariff. Confirm
anything that carries money with a licensed customs broker or the CBSA.
This page is a screening tool, not financial advice and not a substitute for a model built on
your actual statements. It works on the figures you type, applies one coverage formula, and
holds everything else constant.
Open this page in its own tab to print
This is an embedded preview, and an embedded frame is not allowed to open the print
dialog. Open the page in a browser tab and print from there, or press Ctrl + P
(⌘ + P on a Mac). The layout is already set up for it: the search, the
filters and the contact block drop away, and what prints is the summary your lender needs.
Plain-language search terms are added editorially so the list can be searched by
ordinary product names. They are not part of the official list. Rates and tariff item numbers are
reproduced from it unchanged, and every row shows its tariff item so it can be checked against the
source.