HomeCalc.ca

About

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.

What you can do

• 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_paymentRead-only

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

• minimum_down_paymentRead-only

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

• land_transfer_taxRead-only

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

• income_taxRead-only

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

• mortgage_penaltyRead-only

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

• bc_home_flipping_taxRead-only

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

• rent_increaseRead-only

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

• capital_gains_taxRead-only

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

• heloc_second_mortgageRead-only

  Compare HELOC and second mortgage borrowing, payments and qualification.

• mortgage_affordabilityRead-only

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

• cap_rateRead-only

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

• house_flippingRead-only

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

Read from the live server on 6 Nov 2026. Read-only, Writes and Can delete are hints the server declares; your client decides whether to ask before running a tool.

Example 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?

Set up

Every client connects to homecalc.ca. Pick yours; the page remembers your choice.

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"
    }
  }
}

Embed

Show HomeCalc.ca in a README or on your site. Each embed links to this page, uses the server’s own URL, and sets no cookies. How embeds work

The card, the iframe and the JSON are in English. Add ?lang=it, fr, de or es to their address for another language.

README badge Website card iframe JSON AI 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>

It follows the reader’s light or dark mode. Add ?theme=light or ?theme=dark to fix it, or ?style=compact to show the mark without the word.

Website card

HTML

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

The card appears where the tag is. Add data-theme="dark" or data-size="compact" to the tag to change it. The file holds everything it needs, so it makes no other requests and sets no 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>

Use it on pages that don’t allow scripts. Add ?theme=light or ?theme=dark to the address to fix the colors.

JSON

The listing as data for your own pages and tools: name, tagline, the server’s own URL, tools and the “Add to” links. Any site can read it (CORS is open).

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

What each field means

AI prompt

Paste this into an AI coding assistant, such as Claude Code or Cursor, and it adds the HomeCalc.ca card to your site.

Markdown

Add the mcp.tc card for HomeCalc.ca, an MCP server, to my website. It is one static script: no build step, no package to install, no cookies.

Put this tag where the card should appear. The card renders right before it:

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

To show the card somewhere else, put this placeholder there and load the same script once, for example before `</body>`. Keep the link inside: visitors without JavaScript see it.

```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"` or `"dark"` on the tag or the placeholder fixes the colors. Without it, the card follows the visitor’s light or dark mode.
- `data-size="compact"` gives a smaller card without the tagline.
- The CSS variable `--mcptc-max-width` on the placeholder or a parent sets the width (default `520px`).
- `?lang=` on the script URL sets the card’s language: `en`, `it`, `fr`, `de` or `es`.

If the site has a Content Security Policy, allow `script-src https://mcp.tc` and `img-src data:` (the icon is inline).

For a README or other Markdown docs, use the badge instead:

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

Reference: https://mcp.tc/embed

Change history

We read this server’s tool list every 3 hours and record what changes. Last read 7 Nov 2026, 14:29 UTC.

1. 5 Nov 2026, 02:52 UTC, Automatic check

   1 tool changed.

   Details, 5 Nov 2026, 02:52 UTC

   Changed 1

   • bc_rescission_periodinput schema

2. 4 Nov 2026, 05:47 UTC, Automatic check

   1 tool changed.

   Details, 4 Nov 2026, 05:47 UTC

   Changed 1

   • rent_increasedescription and input schema
     Before

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

     After

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

     • New parameters: unitExempt
     • Description of year
       Before

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

       After

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

3. 3 Nov 2026, 20:53 UTC, Automatic check

   1 tool changed.

   Details, 3 Nov 2026, 20:53 UTC

   Changed 1

   • rent_vs_buyinput schema
     • New parameters: landTransferTax
     • Description of province
       Before

       Province (land transfer tax is computed for Ontario only)

       After

       Province or territory; sets the land transfer tax

     • Description of city
       Before

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

       After

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

4. 3 Nov 2026, 14:54 UTC, Automatic check

   22 tools added. Server instructions changed.

   New server instructions

   Details, 3 Nov 2026, 14:54 UTC

   Added 22

   • bc_rescission_periodRead-only

     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_allowanceRead-only

     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_costsRead-only

     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_insuranceRead-only

     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_sellingRead-only

     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_ratioRead-only

     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_incomeRead-only

     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_hackingRead-only

     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_uninsuredRead-only

     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_amortizationRead-only

     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_prepaymentRead-only

     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_qualifierRead-only

     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_renewalRead-only

     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_testRead-only

     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_developmentRead-only

     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_taxRead-only

     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_commissionRead-only

     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_roiRead-only

     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_buyRead-only

     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_mortgageRead-only

     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_affordabilityRead-only

     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_ruleRead-only

     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 instructions

   Before

   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.

   After

   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, Automatic check

   1 tool changed.

   Details, 3 Nov 2026, 02:48 UTC

   Changed 1

   • mortgage_affordabilityinput schema

6. 2 Nov 2026, 23:22 UTC, Automatic check

   Tracking started: 12 tools.

FAQ