HomeCalc.ca

Descripción

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.

Qué puedes hacer

• 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

Herramientas 34

• mortgage_paymentSolo lectura

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

• minimum_down_paymentSolo lectura

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

• land_transfer_taxSolo lectura

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

• income_taxSolo lectura

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

• mortgage_penaltySolo lectura

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

• bc_home_flipping_taxSolo lectura

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

• rent_increaseSolo lectura

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

• capital_gains_taxSolo lectura

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

• heloc_second_mortgageSolo lectura

  Compare HELOC and second mortgage borrowing, payments and qualification.

• mortgage_affordabilitySolo lectura

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

• cap_rateSolo lectura

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

• house_flippingSolo lectura

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

Leídas del servidor en funcionamiento el 6 nov 2026. Solo lectura, Escritura y Puede borrar son indicaciones que declara el servidor; tu cliente decide si te pregunta antes de ejecutar una herramienta.

Prompts de ejemplo

• 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?

Configuración

Todos los clientes se conectan a homecalc.ca. Elige el tuyo; la página recuerda tu elección.

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"
    }
  }
}

Insertar

Muestra HomeCalc.ca en un README o en tu web. Cada inserción enlaza a esta página, usa la URL propia del servidor y no instala cookies. Cómo funcionan las inserciones

La tarjeta, el iframe y el JSON están en inglés. Añade ?lang=it, fr, de o es a su dirección para otro idioma.

Insignia para README Tarjeta para web iframe JSON Prompt para la IA

Insignia para README

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>

Sigue el modo claro u oscuro de quien lee. Añade ?theme=light o ?theme=dark para fijarlo, o ?style=compact para mostrar el símbolo sin la palabra.

Tarjeta para web

HTML

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

La tarjeta aparece donde esté la etiqueta. Añade data-theme="dark" o data-size="compact" a la etiqueta para cambiarla. El archivo contiene todo lo que necesita, así que no hace otras solicitudes ni instala 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>

Úsalo en páginas que no permiten scripts. Añade ?theme=light o ?theme=dark a la dirección para fijar los colores.

JSON

La ficha como datos para tus propias páginas y herramientas: nombre, descripción corta, la URL propia del servidor, herramientas y los enlaces «Add to». Cualquier web puede leerla (CORS abierto).

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

Qué significa cada campo

Prompt para la IA

Pégalo en un asistente de programación con IA, como Claude Code o Cursor, y añadirá la tarjeta de HomeCalc.ca a tu web.

Markdown

Añade a mi web la tarjeta de mcp.tc de HomeCalc.ca, un servidor MCP. Es un solo script estático: sin paso de build, sin paquetes que instalar, sin cookies.

Pon esta etiqueta donde deba aparecer la tarjeta. La tarjeta se muestra justo antes de ella:

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

Para mostrarla en otro sitio, pon allí este marcador y carga el mismo script una sola vez, por ejemplo antes de `</body>`. Deja el enlace dentro: lo ven los visitantes sin JavaScript.

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

Opciones:
- `data-theme="light"` o `"dark"` en la etiqueta o el marcador fija los colores. Sin él, la tarjeta sigue el modo claro u oscuro del visitante.
- `data-size="compact"` da una tarjeta más pequeña, sin el eslogan.
- La variable CSS `--mcptc-max-width` en el marcador o en un elemento padre fija el ancho (por defecto `520px`).
- `?lang=` en la URL del script fija el idioma de la tarjeta: `en`, `it`, `fr`, `de` o `es`.

Si el sitio tiene una Content Security Policy, permite `script-src https://mcp.tc` e `img-src data:` (el icono va incrustado).

Para un README u otra documentación en Markdown, usa la insignia:

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

Referencia: https://mcp.tc/es/embed

Historial de cambios

Leemos la lista de herramientas de este servidor cada 3 horas y registramos lo que cambia. Última lectura: 7 nov 2026, 14:29 UTC.

1. 5 nov 2026, 02:52 UTC, Comprobación automática

   1 herramienta cambiada.

   Detalles, 5 nov 2026, 02:52 UTC

   Cambiadas 1

   • bc_rescission_periodesquema de entrada

2. 4 nov 2026, 05:47 UTC, Comprobación automática

   1 herramienta cambiada.

   Detalles, 4 nov 2026, 05:47 UTC

   Cambiadas 1

   • rent_increasedescripción y esquema de entrada
     Antes

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

     Después

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

     • Parámetros nuevos: unitExempt
     • Descripción de year
       Antes

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

       Después

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

3. 3 nov 2026, 20:53 UTC, Comprobación automática

   1 herramienta cambiada.

   Detalles, 3 nov 2026, 20:53 UTC

   Cambiadas 1

   • rent_vs_buyesquema de entrada
     • Parámetros nuevos: landTransferTax
     • Descripción de province
       Antes

       Province (land transfer tax is computed for Ontario only)

       Después

       Province or territory; sets the land transfer tax

     • Descripción de city
       Antes

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

       Después

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

4. 3 nov 2026, 14:54 UTC, Comprobación automática

   22 herramientas añadidas. Instrucciones del servidor cambiadas.

   Nuevas instrucciones del servidor

   Detalles, 3 nov 2026, 14:54 UTC

   Añadidas 22

   • bc_rescission_periodSolo lectura

     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_allowanceSolo lectura

     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_costsSolo lectura

     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_insuranceSolo lectura

     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_sellingSolo lectura

     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_ratioSolo lectura

     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_incomeSolo lectura

     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_hackingSolo lectura

     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_uninsuredSolo lectura

     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_amortizationSolo lectura

     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_prepaymentSolo lectura

     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_qualifierSolo lectura

     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_renewalSolo lectura

     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_testSolo lectura

     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_developmentSolo lectura

     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_taxSolo lectura

     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_commissionSolo lectura

     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_roiSolo lectura

     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_buySolo lectura

     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_mortgageSolo lectura

     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_affordabilitySolo lectura

     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_ruleSolo lectura

     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.

   Instrucciones del servidor

   Antes

   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.

   Después

   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, Comprobación automática

   1 herramienta cambiada.

   Detalles, 3 nov 2026, 02:48 UTC

   Cambiadas 1

   • mortgage_affordabilityesquema de entrada

6. 2 nov 2026, 23:22 UTC, Comprobación automática

   Inicio del seguimiento: 12 herramientas.

Preguntas frecuentes