# HomeCalc.ca MCP server

> Run Canadian mortgage, land transfer tax, income tax and rental property calculations with 2026 figures and source links.

- Listing: https://mcp.tc/i/homecalc-ca
- Connect: use the server's own URL `https://homecalc.ca/api/mcp` (no sign-in); clients connect to it directly. The listing link is a page, not an MCP endpoint.
- Type: remote (Streamable HTTP)
- Auth: none
- Category: [Utilities](https://mcp.tc/c/utilities)
- Vendor: HomeCalc.ca
- Homepage: <https://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 it 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_payment`: Periodic payment on a Canadian mortgage, with CMHC insurance added under 20% down. (read-only)
- `minimum_down_payment`: Minimum down payment under Dec 2024 CMHC rules, insurance applicability and premium rate. (read-only)
- `land_transfer_tax`: Land transfer tax, rebates and registration fee for any province or territory. (read-only)
- `income_tax`: 2026 federal and provincial income tax, CPP/QPP, EI and take-home pay. (read-only)
- `mortgage_penalty`: Estimate the penalty to break a mortgage: three months' interest vs IRD. (read-only)
- `bc_home_flipping_tax`: Estimate BC's home flipping tax on properties sold within 730 days. (read-only)
- `rent_increase`: Maximum annual rent increase and new rent under ON, BC or MB guidelines. (read-only)
- `capital_gains_tax`: Estimate capital gains tax on real estate, stocks, crypto, business or rental sales. (read-only)
- `heloc_second_mortgage`: Compare HELOC and second mortgage borrowing, payments and qualification. (read-only)
- `mortgage_affordability`: Maximum home price a buyer qualifies for under GDS/TDS limits and stress test. (read-only)
- `cap_rate`: Rental property cap rate, NOI, cash flow and cash-on-cash return. (read-only)
- `house_flipping`: Estimate profit on a Canadian house flip, including taxes and costs. (read-only)
- `mortgage_amortization`: Year-by-year amortization of a Canadian mortgage (semi-annual compounding): payment, total interest, balance at renewal, payoff year, and an annual table. (read-only)
- `mortgage_stress_test`: 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. (read-only)
- `mortgage_prepayment`: 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… (read-only)
- `mortgage_renewal`: 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. (read-only)
- `mortgage_qualifier`: Maximum mortgage and home price at the OSFI qualifying rate. (read-only)
- `cmhc_insurance`: 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)… (read-only)
- `second_home_affordability`: 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)… (read-only)
- `debt_service_ratio`: Gross (GDS) and total (TDS) debt service ratios from income, housing costs and other debts, against the 39% / 44% limits. (read-only)
- `debt_to_income`: TDS from income, housing costs and an itemised debt list. (read-only)
- `reverse_mortgage`: 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… (read-only)
- `insured_insurable_uninsured`: 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. (read-only)
- `closing_costs`: 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… (read-only)
- `capital_cost_allowance`: 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… (read-only)
- `real_estate_commission`: Seller's real estate commission in Canada: commission, GST/HST on it, listing vs buyer brokerage split, and net proceeds. (read-only)
- `cost_of_selling`: 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… (read-only)
- `property_tax`: 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%). (read-only)
- `bc_rescission_period`: British Columbia's 3-business-day home buyer rescission period: the deadline (11:59 p.m. (read-only)
- `seventy_percent_rule`: 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. (read-only)
- `house_hacking`: 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… (read-only)
- `renovation_roi`: 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… (read-only)
- `property_development`: 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. (read-only)
- `rent_vs_buy`: 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. (read-only)

## 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?"

## Install

### Claude Code

1. Run this in a terminal, in your project folder:

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

2. Start Claude Code and type `/mcp`. **homecalc-ca** should show as connected.

Add `--scope user` to make it available in every project, not just this one.

### Claude Desktop

1. Open **Customize → Connectors**, click **+ Add**, then **Add custom connector**.

2. Name it **HomeCalc.ca** and paste this URL:

```url
https://homecalc.ca/api/mcp
```

3. Click **Add**. Its tools appear in the chat’s tools menu.

Claude Desktop’s JSON config file only starts local servers. Remote servers go through Connectors, and connectors you add on claude.ai show up here too.

### claude.ai

1. Open the connector form on claude.ai. This button fills in the name and URL for you:

[Add to claude.ai](<https://claude.ai/customize/connectors?modal=add-custom-connector&connectorName=HomeCalc.ca&connectorUrl=https%3A%2F%2Fhomecalc.ca%2Fapi%2Fmcp>) (opens connector settings)

2. Check that the URL reads `https://homecalc.ca/api/mcp` and click **Add**.

3. Turn it on in a chat from the tools menu.

Free plans allow one custom connector. On Team and Enterprise plans an owner adds it under **Organization settings → Connectors**.

### ChatGPT

1. On chatgpt.com, go to **Plugins**, select **+**, then **Add custom MCP server**.

2. Enter a name for the server.

3. Under **Connection**, paste `https://homecalc.ca/api/mcp` as the server URL, then for authentication choose **No authentication**.

4. Check **I understand and want to continue**, then select **Create as a plugin**.

Whether you can add a custom MCP server depends on your ChatGPT plan and your workspace permissions (in Business workspaces, admins and owners can).

### Cursor

[Add to Cursor](<https://cursor.com/install-mcp?name=homecalc-ca&config=eyJ1cmwiOiJodHRwczovL2hvbWVjYWxjLmNhL2FwaS9tY3AifQ%3D%3D>) (opens Cursor)

Or add it by hand to `~/.cursor/mcp.json` (all projects) or `.cursor/mcp.json` (this project):

`mcp.json`:

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

### VS Code

[Install in VS Code](<https://vscode.dev/redirect/mcp/install?name=homecalc-ca&config=%7B%22type%22%3A%22http%22%2C%22url%22%3A%22https%3A%2F%2Fhomecalc.ca%2Fapi%2Fmcp%22%7D>) (opens VS Code)

Or from a terminal:

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

Or commit it to the repo in `.vscode/mcp.json`:

`.vscode/mcp.json`:

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

### Devin Desktop

1. Add it to `~/.config/devin/mcp_config.json` (macOS and Linux) or `%APPDATA%\devin\mcp_config.json` (Windows):

`mcp_config.json`:

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

2. Refresh the MCP server list in Cascade.

Devin Desktop is the new name for Windsurf. It reads `serverUrl` (or `url`) for remote servers.

### Codex

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

Or edit `~/.codex/config.toml` directly:

`config.toml`:

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

### Gemini CLI

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

This adds it to the current project. Add `-s user` to use it everywhere.

### Any client

Most clients accept this shape. Some name the URL field differently: `serverUrl` in Devin Desktop, `httpUrl` in Gemini CLI’s settings file.

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

Zed puts servers under `context_servers` in its settings. Cline needs `"type": "streamableHttp"`, or it assumes SSE.

Client only starts local servers? Bridge it with `npx -y mcp-remote https://homecalc.ca/api/mcp`.

## Recent changes

- 2026-11-05 02:52 UTC: 1 tool changed. Source: automatic check. Changed: bc\_rescission\_period.
- 2026-11-04 05:47 UTC: 1 tool changed. Source: automatic check. Changed: rent\_increase.
- 2026-11-03 20:53 UTC: 1 tool changed. Source: automatic check. Changed: rent\_vs\_buy.
- 2026-11-03 14:54 UTC: 22 tools added. Server instructions changed. Source: automatic check. Worth a look: new server instructions. Added: bc\_rescission\_period, capital\_cost\_allowance, closing\_costs, cmhc\_insurance, cost\_of\_selling, debt\_service\_ratio, debt\_to\_income, house\_hacking, insured\_insurable\_uninsured, mortgage\_amortization, mortgage\_prepayment, mortgage\_qualifier, mortgage\_renewal, mortgage\_stress\_test, property\_development, property\_tax, real\_estate\_commission, renovation\_roi, rent\_vs\_buy, reverse\_mortgage and 2 more.
- 2026-11-03 02:48 UTC: 1 tool changed. Source: automatic check. Changed: mortgage\_affordability.

More on the History tab, with descriptions before and after for the newest entries: https://mcp.tc/i/homecalc-ca#history (Atom feed: https://mcp.tc/i/homecalc-ca/history.xml). It records what mcp.tc's anonymous checks saw, every 3 hours where the tool list can be read without sign-in; it is not a security review.

## Details

- Server version: 0.1.0
- MCP protocol version: 2026-07-28
- Last checked: 2026-11-06 (reachable)
- Listed: 2026-11-02
- Updated: 2026-11-04

---
Source: https://mcp.tc/i/homecalc-ca (mcp.tc is an independent directory, not affiliated with this server's publisher). Corrections: https://mcp.tc/report