HomeCalc.ca

Über den Server

HomeCalc.ca exposes 12 read-only Canadian real-estate and mortgage calculators. They cover mortgage payments, minimum down payment and CMHC premiums, land transfer tax across all 13 provinces and territories, income tax and take-home pay, mortgage break penalties, capital gains, HELOCs, affordability, cap rates and house flipping. Each result includes a source link on homecalc.ca and is an estimate, not financial advice.

The server runs as a hosted streamable HTTP endpoint at https://homecalc.ca/api/mcp. No sign-in or API key is needed.

Was du damit machen kannst

• Calculate Canadian mortgage payments with CMHC insurance
• Estimate land transfer tax and registration fees by province
• Compute 2026 federal and provincial income tax and take-home pay
• Estimate mortgage prepayment penalties (3 months interest vs IRD)
• Find maximum affordable home price under stress-test rules
• Compare HELOC and second mortgage options
• Analyze rental cap rate and house flipping profit
• Check rent increase guidelines for ON, BC and MB

Tools 34

• mortgage_paymentLiest nur

  Periodic payment on a Canadian mortgage, with CMHC insurance added under 20% down.

• minimum_down_paymentLiest nur

  Minimum down payment under Dec 2024 CMHC rules, insurance applicability and premium rate.

• land_transfer_taxLiest nur

  Land transfer tax, rebates and registration fee for any province or territory.

• income_taxLiest nur

  2026 federal and provincial income tax, CPP/QPP, EI and take-home pay.

• mortgage_penaltyLiest nur

  Estimate the penalty to break a mortgage: three months' interest vs IRD.

• bc_home_flipping_taxLiest nur

  Estimate BC's home flipping tax on properties sold within 730 days.

• rent_increaseLiest nur

  Maximum annual rent increase and new rent under ON, BC or MB guidelines.

• capital_gains_taxLiest nur

  Estimate capital gains tax on real estate, stocks, crypto, business or rental sales.

• heloc_second_mortgageLiest nur

  Compare HELOC and second mortgage borrowing, payments and qualification.

• mortgage_affordabilityLiest nur

  Maximum home price a buyer qualifies for under GDS/TDS limits and stress test.

• cap_rateLiest nur

  Rental property cap rate, NOI, cash flow and cash-on-cash return.

• house_flippingLiest nur

  Estimate profit on a Canadian house flip, including taxes and costs.

Am 6. Nov. 2026 vom laufenden Server gelesen. „Liest nur“, „Schreibt“ und „Kann löschen“ sind Hinweise, die der Server selbst angibt; dein Client entscheidet, ob er vor dem Ausführen eines Tools nachfragt.

Beispiel-Prompts

• What is the monthly payment on a $500,000 mortgage at 4.5% over 25 years?

• How much land transfer tax would I pay on a $850,000 home in Toronto as a first-time buyer?

• What is my take-home pay on $120,000 in Alberta?

• How much house can I afford on $150,000 household income with $100,000 down?

Einrichtung

Jeder Client verbindet sich mit homecalc.ca. Wähl deinen; die Seite merkt sich deine Wahl.

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

https://homecalc.ca/api/mcp

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

code --add-mcp '{"name":"homecalc-ca","type":"http","url":"https://homecalc.ca/api/mcp"}'

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

{
  "mcpServers": {
    "homecalc-ca": {
      "serverUrl": "https://homecalc.ca/api/mcp"
    }
  }
}

codex mcp add homecalc-ca --url https://homecalc.ca/api/mcp

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

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

{
  "mcpServers": {
    "homecalc-ca": {
      "type": "http",
      "url": "https://homecalc.ca/api/mcp"
    }
  }
}

Einbinden

Zeig HomeCalc.ca in einem README oder auf deiner Website. Jede Einbindung verlinkt auf diese Seite, nutzt die eigene URL des Servers und setzt keine Cookies. So funktionieren Einbindungen

Karte, iframe und JSON sind auf Englisch. Häng ?lang=it, fr, de oder es an ihre Adresse an, um eine andere Sprache zu bekommen.

README-Badge Website-Karte iframe JSON KI-Prompt

README-Badge

Markdown

[![HomeCalc.ca on mcp.tc](https://mcp.tc/i/homecalc-ca/badge.svg)](https://mcp.tc/i/homecalc-ca)

HTML

<a href="https://mcp.tc/i/homecalc-ca"><img src="https://mcp.tc/i/homecalc-ca/badge.svg" alt="HomeCalc.ca on mcp.tc" height="20"></a>

Es folgt dem hellen oder dunklen Modus der Lesenden. Hänge ?theme=light oder ?theme=dark an, um ihn festzulegen, oder ?style=compact, um das Zeichen ohne Schriftzug zu zeigen.

Website-Karte

HTML

<script src="https://mcp.tc/w/homecalc-ca.js" async></script>

Die Karte erscheint dort, wo das Tag steht. Füge dem Tag data-theme="dark" oder data-size="compact" hinzu, um sie zu ändern. Die Datei enthält alles, was sie braucht, stellt also keine weiteren Anfragen und setzt keine Cookies.

iframe

HTML

<iframe src="https://mcp.tc/embed/homecalc-ca" title="HomeCalc.ca on mcp.tc" width="420" height="200" loading="lazy" allow="clipboard-write" style="border:0;border-radius:8px;max-width:100%"></iframe>

Nutze es auf Seiten, die keine Skripte erlauben. Hänge ?theme=light oder ?theme=dark an die Adresse an, um die Farben festzulegen.

JSON

Der Eintrag als Daten für deine eigenen Seiten und Tools: Name, Kurzbeschreibung, die eigene URL des Servers, Tools und die „Add to“-Links. Jede Website kann ihn lesen (CORS ist offen).

https://mcp.tc/i/homecalc-ca.json

Was jedes Feld bedeutet

KI-Prompt

Füg ihn in einen KI-Coding-Assistenten wie Claude Code oder Cursor ein, und er baut die Karte von HomeCalc.ca in deine Website ein.

Markdown

Füge meiner Website die mcp.tc-Karte für den MCP-Server HomeCalc.ca hinzu. Es ist ein einziges statisches Skript: kein Build-Schritt, kein Paket zu installieren, keine Cookies.

Setz dieses Tag dorthin, wo die Karte erscheinen soll. Die Karte erscheint direkt davor:

```html
<script src="https://mcp.tc/w/homecalc-ca.js" async></script>
```

Um sie woanders zu zeigen, setz dort diesen Platzhalter ein und lade dasselbe Skript nur einmal, zum Beispiel vor `</body>`. Lass den Link darin stehen: Besucher ohne JavaScript sehen ihn.

```html
<div data-mcptc="homecalc-ca"><a href="https://mcp.tc/i/homecalc-ca">HomeCalc.ca on mcp.tc</a></div>
```

Optionen:
- `data-theme="light"` oder `"dark"` am Tag oder Platzhalter legt die Farben fest. Ohne das Attribut folgt die Karte dem hellen oder dunklen Modus der Besucher.
- `data-size="compact"` ergibt eine kleinere Karte ohne Kurzbeschreibung.
- Die CSS-Variable `--mcptc-max-width` am Platzhalter oder einem Elternelement legt die Breite fest (Standard `520px`).
- `?lang=` in der Skript-URL legt die Sprache der Karte fest: `en`, `it`, `fr`, `de` oder `es`.

Wenn die Website eine Content Security Policy hat, erlaube `script-src https://mcp.tc` und `img-src data:` (das Icon ist eingebettet).

Für ein README oder andere Markdown-Dokumentation nimm stattdessen das Badge:

```markdown
[![HomeCalc.ca on mcp.tc](https://mcp.tc/i/homecalc-ca/badge.svg)](https://mcp.tc/i/homecalc-ca)
```

Referenz: https://mcp.tc/de/embed

Änderungsverlauf

Wir lesen die Tool-Liste dieses Servers alle 3 Stunden und halten fest, was sich ändert. Zuletzt gelesen: 7. Nov. 2026, 14:29 UTC.

1. 5. Nov. 2026, 02:52 UTC, Automatische Prüfung

   1 Tool geändert.

   Details, 5. Nov. 2026, 02:52 UTC

   Geändert 1

   • bc_rescission_periodEingabeschema

2. 4. Nov. 2026, 05:47 UTC, Automatische Prüfung

   1 Tool geändert.

   Details, 4. Nov. 2026, 05:47 UTC

   Geändert 1

   • rent_increaseBeschreibung und Eingabeschema
     Vorher

     Maximum allowed annual rent increase, and the new rent, under the Ontario LTB, BC RTB or Manitoba RTB guideline for a given year.

     Nachher

     ON/BC/MB rent-increase guideline and new rent, floored to the cent. capped:false = exempt unit.

     • Neue Parameter: unitExempt
     • Beschreibung von year
       Vorher

       Guideline year, e.g. '2026'. An unsupported year uses the latest; the reply shows which.

       Nachher

       Guideline year, e.g. '2026'; unsupported = latest (shown in reply)

3. 3. Nov. 2026, 20:53 UTC, Automatische Prüfung

   1 Tool geändert.

   Details, 3. Nov. 2026, 20:53 UTC

   Geändert 1

   • rent_vs_buyEingabeschema
     • Neue Parameter: landTransferTax
     • Beschreibung von province
       Vorher

       Province (land transfer tax is computed for Ontario only)

       Nachher

       Province or territory; sets the land transfer tax

     • Beschreibung von city
       Vorher

       City name; 'Toronto' adds the municipal land transfer tax

       Nachher

       City; Toronto adds municipal LTT, Montreal uses its own welcome-tax brackets

4. 3. Nov. 2026, 14:54 UTC, Automatische Prüfung

   22 Tools hinzugefügt. Server-Anweisungen geändert.

   Neue Server-Anweisungen

   Details, 3. Nov. 2026, 14:54 UTC

   Hinzugefügt 22

   • bc_rescission_periodLiest nur

     British Columbia's 3-business-day home buyer rescission period: the deadline (11:59 p.m. on the third business day after acceptance, skipping weekends and BC statutory holidays) and the 0.25% fee to rescind.

   • capital_cost_allowanceLiest nur

     CRA capital cost allowance on a business or rental asset: class rate, year-1 CCA (half-year rule, AIIP or the post-2024 accelerated incentive, by acquisition date), tax saving at your marginal rate, a 5-year schedule, and recapture or terminal loss on disposal.

   • closing_costsLiest nur

     Cash needed to close a Canadian home purchase in any province or territory: land transfer tax (with first-time-buyer rebates, Toronto MLTT, NRST), land title and mortgage registration fees (listed separately), CMHC premium + PST, legal/inspection/appraisal/moving allowances, new-build GST/HST.

   • cmhc_insuranceLiest nur

     CMHC (mortgage default insurance) premium for any down payment under 20% on a Canadian home: premium rate and amount added to the mortgage, provincial sales tax on the premium (ON, QC, SK — paid in cash at closing), and the insured mortgage total.

   • cost_of_sellingLiest nur

     Total cost of selling a Canadian home and what you walk away with: commission + GST/HST (province starting rates, all overridable), legal fees, mortgage discharge fee and other costs, then net proceeds after the mortgage is paid off.

   • debt_service_ratioLiest nur

     Gross (GDS) and total (TDS) debt service ratios from income, housing costs and other debts, against the 39% / 44% limits. Condo fees count at 50%. Use the payment at the stress-test rate for a qualifying view.

   • debt_to_incomeLiest nur

     TDS from income, housing costs and an itemised debt list. Credit cards and lines of credit with no payment given default to 3% of the balance; car and personal loans need their real payment. Returns total balance, payments, available credit and GDS/TDS vs 39% / 44%.

   • house_hackingLiest nur

     Live in one unit and rent the rest (basement suite, duplex/triplex, rooms, ADU): mortgage with CMHC, ownership costs, rent after vacancy, your true monthly cost vs renting, and the income needed to qualify with and without rental add-back.

   • insured_insurable_uninsuredLiest nur

     Broker tool: classifies a mortgage as insured, insurable or uninsurable (purchase, renewal, switch, refinance) with reasons, then GDS/TDS in each category at its rate. Renewals depend on whether a premium was paid at origination.

   • mortgage_amortizationLiest nur

     Year-by-year amortization of a Canadian mortgage (semi-annual compounding): payment, total interest, balance at renewal, payoff year, and an annual table. Optional lump-sum / payment-increase prepayments show interest and time saved.

   • mortgage_prepaymentLiest nur

     Interest and time saved by prepaying a Canadian mortgage with extra per-payment amounts, an annual lump sum, or both, plus the estimated penalty if the prepayment were over your privilege limit (3 months' interest or IRD).

   • mortgage_qualifierLiest nur

     Maximum mortgage and home price at the OSFI qualifying rate. mode='income': from income, debts and down payment, limited by GDS 39% / TDS 44%. mode='budget': from a monthly payment you can afford. Property tax and heating are estimated.

   • mortgage_renewalLiest nur

     Compare a Canadian mortgage's payment and term interest at the current rate vs the renewal rate: new payment, monthly and annual change, and extra interest over the new term. An optional lump sum at renewal reduces the balance.

   • mortgage_stress_testLiest nur

     Check a purchase, renewal or refinance against the OSFI stress test: qualifying rate (higher of contract + 2% or 5.25%), GDS/TDS at 39/44, pass/close/fail, max home price for a purchase, and how far off a fail is. Straight-switch renewals are exempt unless the amount or amortization increases.

   • property_developmentLiest nur

     Development pro forma for a Canadian build: land + land transfer tax, hard costs, soft costs, HST net of the new-housing rebate, construction financing, contingency, sale proceeds, profit, margin and ROI.

   • property_taxLiest nur

     Annual and monthly property tax from ASSESSED value (not purchase price — Ontario still uses 2016 MPAC values) for 18 Canadian cities, each published rate normalised to full assessed value (SK taxes 80%, Winnipeg 45%). Pass ratePct instead of city to use the rate on your own bill.

   • real_estate_commissionLiest nur

     Seller's real estate commission in Canada: commission, GST/HST on it, listing vs buyer brokerage split, and net proceeds. Province sets commonly quoted starting rates (AB/BC tiered, ON/MB flat). Commission is NOT regulated — every rate is negotiable and can be overridden.

   • renovation_roiLiest nur

     Return on a home renovation: value added vs cost, and how that value shrinks by the time you sell (straight-line over the project's economic life — an editable HomeCalc assumption, not a measured figure), plus any net rent the work earns.

   • rent_vs_buyLiest nur

     Compare renting with buying over a time horizon: net cost and net wealth of each (home equity after selling vs the renter investing the down payment and monthly savings), the break-even year, and milestone years.

   • reverse_mortgageLiest nur

     Reverse mortgage (CHIP-style) for homeowners 55+: theoretical maximum (55% of value — the lender's published ceiling, not your approval), and how the balance compounds (semi-annually, no payments) vs home equity at 5/10/15/20 years.

   • second_home_affordabilityLiest nur

     Maximum price for a second property (cottage, rental or second home) while keeping your current home: combined TDS across both properties, subject-property GDS, minimum down payment (20% unless you'll live in it), optional rental income add-back.

   • seventy_percent_ruleLiest nur

     Maximum purchase price for a flip under the 70% rule (or the stricter 65%): ARV × rule − repairs, plus the profit left after repairs and the commission and closing costs on the sale.

   Server-Anweisungen

   Vorher

   HomeCalc.ca provides accurate, source-backed Canadian mortgage and real-estate calculators. Use these tools to answer Canadian home-buying, mortgage, and tax math questions with 2026 figures: mortgage payments, minimum down payment + CMHC, land transfer tax, income tax / take-home, mortgage break penalty (IRD), BC home flipping tax, and rent-increase guidelines. Every result includes a source link on homecalc.ca and is an estimate, not financial advice — surface both to the user.

   Nachher

   HomeCalc.ca provides accurate, source-backed Canadian mortgage and real-estate calculators. Use these tools to answer Canadian home-buying, mortgage, and tax math questions with 2026 figures: mortgages (payment, amortization, stress test, qualifying, renewal, prepayment, penalty, CMHC, HELOC, reverse), buying and selling costs (land transfer tax, closing costs, commission, property tax), income and capital gains tax, and investing (cap rate, flips, rent vs buy, renovations, development). Every result includes a source link on homecalc.ca and is an estimate, not financial advice — surface both to the user.

5. 3. Nov. 2026, 02:48 UTC, Automatische Prüfung

   1 Tool geändert.

   Details, 3. Nov. 2026, 02:48 UTC

   Geändert 1

   • mortgage_affordabilityEingabeschema

6. 2. Nov. 2026, 23:22 UTC, Automatische Prüfung

   Beginn der Beobachtung: 12 Tools.

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