HomeCalc — Canadian Mortgage & Tax Calculators MCP Server

by homecalc Your server? Claim it

answering

HomeCalc — Canadian Mortgage & Tax Calculators is answering right now. Last checked 2 min ago. It exposes 12 tools.

Canadian mortgage, tax & land transfer calculators: 12 read-only tools, LTT for all 13 provinces.

Uptime history 18 days of history

18 days agonow

100.0%

Uptime 24h

92 of 92 checks

Tools

read from the server

397 ms

Response time

average over 24h

open, no key

Access

streamable-http

What changed 1

Every tool that appeared, vanished or quietly changed what it asks for. Recorded since 19 October 2026. No other catalogue keeps this.

19 Oct a tool changed the parameters it asks for mortgage_affordability

Nothing serious here today

Today is the operative word: we check HomeCalc — Canadian Mortgage & Tax Calculators every 15 minutes and re-read its code on every release. Watch it and you find out the day that stops being true.

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 2 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add calculators --transport http https://homecalc.ca/api/mcp

Settings → Connectors → Add custom connector, then paste this address

https://homecalc.ca/api/mcp

~/.codex/config.toml

[mcp_servers.calculators]
url = "https://homecalc.ca/api/mcp"

.cursor/mcp.json

{
  "mcpServers": {
    "calculators": {
      "url": "https://homecalc.ca/api/mcp"
    }
  }
}

.vscode/mcp.json

{
  "servers": {
    "calculators": {
      "type": "http",
      "url": "https://homecalc.ca/api/mcp"
    }
  }
}

Available tools 12

Read directly from the server with tools/list, grouped by what they act on. If a tool disappears, we record the date.

mortgage

mortgage_affordability

Work out the maximum home price a Canadian buyer qualifies for: binary-searches the price that keeps both the GDS (39%) and TDS (44%) ratios satisfied at the OSFI stress-test rate, honouring the Dec-2024 minimum down payment tiers and the $1.5M CMHC insurability ceiling. Returns max price, max mortgage, CMHC premium, monthly payment, and the GDS/TDS ratios.

mortgage_payment

Calculate the periodic mortgage payment for a Canadian home. Call it ONE of two ways: (a) if the user gave a PURCHASE PRICE, pass homePrice + downPayment and CMHC insurance is applied when the down payment is under 20%; (b) if the user gave a MORTGAGE / LOAN AMOUNT (e.g. "payment on a $500,000 mortgage"), pass loanAmount on its own. Do NOT invent a purchase price in order to reach a loan amount — use loanAmount. Inventing a price changes the answer by several percent and attaches a CMHC premium the user does not owe.

mortgage_penalty

Estimate the penalty to break a Canadian mortgage: three months' interest vs the interest rate differential (IRD), including the big-bank posted-rate method. Fixed = greater of the two; variable = usually three months' interest. IMPORTANT: the three rate inputs below are lender-specific and are NOT supplied by most users. If they are omitted, this tool falls back to illustrative site defaults and the answer can be several times too low or too high — the response reports exactly which values were assumed in `assumedInputs`. Always surface those assumptions to the user and tell them to confirm the real figures with their lender.

cap

cap_rate

Analyze a Canadian rental property: capitalization rate, net operating income, gross rent multiplier, expense ratio, annual cash flow and cash-on-cash return, plus how the cap rate compares to typical yields in the local market. Mortgage math uses Canadian semi-annual compounding.

capital

capital_gains_tax

Estimate Canadian capital gains tax on a disposition (real estate, stocks, crypto, a business, or a rental property). Applies the flat 50% inclusion rate, the principal-residence exemption, the lifetime capital gains exemption for QSBC shares, capital-loss offsets, and rental CCA recapture — then taxes the taxable gain on top of your other income at federal + provincial brackets.

heloc

heloc_second_mortgage

Compare a HELOC against a second mortgage for tapping home equity in Canada. Returns how much you can borrow (revolving HELOC capped at 65% LTV, total secured borrowing to 80% with an A lender), monthly payments, TDS qualification at the OSFI stress-test rate, and the equivalent numbers for B and private lenders.

home

bc_home_flipping_tax

Estimate British Columbia's home flipping tax on a property sold within 730 days: 20% tapering to 0% between 366 and 730 days, with a $20,000 primary-residence deduction (only if held at least 365 days).

house

house_flipping

Estimate the profit on a Canadian house flip: land transfer tax (with first-time buyer rebate), renovation cost with contingency, holding costs, realtor commission, and closing costs — then the tax bill. Flags the CRA residential property flipping rule (held under 12 months = 100% business income, no capital gains treatment) and shows the tax saving from waiting past the 12-month line.

income

income_tax

Calculate 2026 Canadian federal + provincial income tax, CPP/QPP, EI, QPIP (Quebec), Ontario surtax and Health Premium where applicable, plus net (take-home) pay for any province.

land

land_transfer_tax

Estimate land transfer tax on a home purchase for all 13 provinces and territories (incl. Toronto MLTT, Montreal welcome tax), first-time buyer rebates, plus the transfer registration fee (the government fee to register the deed) and the total due at registration. Alberta, Saskatchewan, Newfoundland & Labrador and the three territories charge no land transfer tax, only the registration fee. The mortgage registration fee is separate and not included.

minimum

minimum_down_payment

Calculate the minimum down payment for a Canadian home under the Dec 2024 CMHC rules (5% on the first $500k, 10% on the portion from $500k–$1.5M, 20% at/above $1.5M), plus whether CMHC insurance applies and the premium rate.

rent

rent_increase

Calculate the maximum allowable annual rent increase under the Ontario LTB, BC RTB or Manitoba RTB guideline for a given year, and the resulting new rent.

Endpoints

URL	Transport	State	Latency	Checked
https://homecalc.ca/api/mcp	streamable-http	answering	360 ms	2 min ago

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HomeCalc — Canadian Mortgage & Tax Calculators — questions

Answers built from our own checks of this server.

What can HomeCalc — Canadian Mortgage & Tax Calculators do?

It exposes 12 tools, read directly from the server on our last check. Among them: bc_home_flipping_tax, capital_gains_tax, cap_rate, heloc_second_mortgage, house_flipping, income_tax and 6 more. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README. How MCP servers expose tools in the first place →

Is HomeCalc — Canadian Mortgage & Tax Calculators working right now?

We send a real MCP handshake every 15 minutes. Over the last 24 hours 92 of 92 checks got a reply (100.0%), average response time 397 ms. The bar chart above shows every period we have measured.

How do I connect HomeCalc — Canadian Mortgage & Tax Calculators?

Copy the ready config from this page. We generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each in the form that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.

Does HomeCalc — Canadian Mortgage & Tax Calculators need an API key?

No. HomeCalc — Canadian Mortgage & Tax Calculators completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 12 of them are readable on this page. This is what we observed, not what the docs claim.

How fast is HomeCalc — Canadian Mortgage & Tax Calculators?

It answers our handshake in 397 ms on average, which is faster than 33% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.