HomeCalc.ca

Présentation

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.

Ce que vous pouvez faire

• 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

Outils 34

• mortgage_paymentLecture seule

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

• minimum_down_paymentLecture seule

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

• land_transfer_taxLecture seule

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

• income_taxLecture seule

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

• mortgage_penaltyLecture seule

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

• bc_home_flipping_taxLecture seule

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

• rent_increaseLecture seule

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

• capital_gains_taxLecture seule

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

• heloc_second_mortgageLecture seule

  Compare HELOC and second mortgage borrowing, payments and qualification.

• mortgage_affordabilityLecture seule

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

• cap_rateLecture seule

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

• house_flippingLecture seule

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

Lus directement sur le serveur le 6 nov. 2026. Lecture seule, Écriture et Peut supprimer sont des indications déclarées par le serveur ; c’est votre client qui décide de vous demander confirmation avant d’exécuter un outil.

Exemples de 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?

Configuration

Chaque client se connecte à homecalc.ca. Choisissez le vôtre ; la page retient votre choix.

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"
    }
  }
}

Intégrer

Affichez HomeCalc.ca dans un README ou sur votre site. Chaque intégration renvoie à cette page, utilise l’URL du serveur et ne dépose aucun cookie. Comment fonctionnent les intégrations

La carte, l’iframe et le JSON sont en anglais. Ajoutez ?lang=it, fr, de ou es à leur adresse pour une autre langue.

Badge pour README Carte pour site web iframe JSON Prompt pour l’IA

Badge pour 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>

Il suit le mode clair ou sombre du lecteur. Ajoutez ?theme=light ou ?theme=dark pour le fixer, ou ?style=compact pour afficher le symbole sans le nom.

Carte pour site web

HTML

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

La carte apparaît à l’endroit de la balise. Ajoutez data-theme="dark" ou data-size="compact" à la balise pour la modifier. Le fichier contient tout ce qu’il lui faut : il ne fait aucune autre requête et ne dépose aucun cookie.

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>

Utilisez-la sur les pages qui n’autorisent pas les scripts. Ajoutez ?theme=light ou ?theme=dark à l’adresse pour fixer les couleurs.

JSON

La fiche sous forme de données pour vos pages et vos outils : nom, accroche, URL du serveur, outils et liens « Add to ». N’importe quel site peut la lire (CORS ouvert).

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

Ce que signifie chaque champ

Prompt pour l’IA

Collez-le dans un assistant de code IA, comme Claude Code ou Cursor, et il ajoutera la carte de HomeCalc.ca à votre site.

Markdown

Ajoute à mon site la carte mcp.tc de HomeCalc.ca, un serveur MCP. C’est un seul script statique : pas de build, aucun paquet à installer, aucun cookie.

Place cette balise là où la carte doit apparaître. La carte s’affiche juste avant elle :

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

Pour l’afficher ailleurs, mets ce conteneur à cet endroit et charge le même script une seule fois, par exemple avant `</body>`. Garde le lien à l’intérieur : les visiteurs sans JavaScript le voient.

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

Options :
- `data-theme="light"` ou `"dark"` sur la balise ou le conteneur fixe les couleurs. Sans cela, la carte suit le mode clair ou sombre du visiteur.
- `data-size="compact"` donne une carte plus petite, sans l’accroche.
- La variable CSS `--mcptc-max-width` sur le conteneur ou un parent fixe la largeur (`520px` par défaut).
- `?lang=` dans l’URL du script choisit la langue de la carte : `en`, `it`, `fr`, `de` ou `es`.

Si le site a une Content Security Policy, autorise `script-src https://mcp.tc` et `img-src data:` (l’icône est intégrée).

Pour un README ou une autre doc en Markdown, utilise plutôt le badge :

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

Référence : https://mcp.tc/fr/embed

Historique des changements

Nous lisons la liste d’outils de ce serveur toutes les 3 heures et notons ce qui change. Dernière lecture : 7 nov. 2026, 14:29 UTC.

1. 5 nov. 2026, 02:52 UTC, Vérification automatique

   1 outil modifié.

   Détails, 5 nov. 2026, 02:52 UTC

   Modifiés 1

   • bc_rescission_periodschéma d’entrée

2. 4 nov. 2026, 05:47 UTC, Vérification automatique

   1 outil modifié.

   Détails, 4 nov. 2026, 05:47 UTC

   Modifiés 1

   • rent_increasedescription et schéma d’entrée
     Avant

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

     Après

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

     • Nouveaux paramètres : unitExempt
     • Description de year
       Avant

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

       Après

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

3. 3 nov. 2026, 20:53 UTC, Vérification automatique

   1 outil modifié.

   Détails, 3 nov. 2026, 20:53 UTC

   Modifiés 1

   • rent_vs_buyschéma d’entrée
     • Nouveaux paramètres : landTransferTax
     • Description de province
       Avant

       Province (land transfer tax is computed for Ontario only)

       Après

       Province or territory; sets the land transfer tax

     • Description de city
       Avant

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

       Après

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

4. 3 nov. 2026, 14:54 UTC, Vérification automatique

   22 outils ajoutés. Instructions du serveur modifiées.

   Nouvelles instructions du serveur

   Détails, 3 nov. 2026, 14:54 UTC

   Ajoutés 22

   • bc_rescission_periodLecture seule

     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_allowanceLecture seule

     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_costsLecture seule

     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_insuranceLecture seule

     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_sellingLecture seule

     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_ratioLecture seule

     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_incomeLecture seule

     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_hackingLecture seule

     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_uninsuredLecture seule

     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_amortizationLecture seule

     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_prepaymentLecture seule

     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_qualifierLecture seule

     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_renewalLecture seule

     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_testLecture seule

     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_developmentLecture seule

     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_taxLecture seule

     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_commissionLecture seule

     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_roiLecture seule

     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_buyLecture seule

     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_mortgageLecture seule

     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_affordabilityLecture seule

     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_ruleLecture seule

     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.

   Instructions du serveur

   Avant

   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.

   Après

   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, Vérification automatique

   1 outil modifié.

   Détails, 3 nov. 2026, 02:48 UTC

   Modifiés 1

   • mortgage_affordabilityschéma d’entrée

6. 2 nov. 2026, 23:22 UTC, Vérification automatique

   Début de l’observation : 12 outils.

FAQ