HomeCalc.ca

Descrizione

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.

Cosa puoi fare

• 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

Tool 34

• mortgage_paymentSola lettura

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

• minimum_down_paymentSola lettura

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

• land_transfer_taxSola lettura

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

• income_taxSola lettura

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

• mortgage_penaltySola lettura

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

• bc_home_flipping_taxSola lettura

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

• rent_increaseSola lettura

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

• capital_gains_taxSola lettura

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

• heloc_second_mortgageSola lettura

  Compare HELOC and second mortgage borrowing, payments and qualification.

• mortgage_affordabilitySola lettura

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

• cap_rateSola lettura

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

• house_flippingSola lettura

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

Letti dal server attivo (6 nov 2026). Sola lettura, Scrive e Può eliminare sono indicazioni dichiarate dal server; è il tuo client a decidere se chiederti conferma prima di eseguire un tool.

Prompt di esempio

• 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?

Configurazione

Ogni client si collega a homecalc.ca. Scegli il tuo; la pagina ricorda la tua scelta.

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

Mostra HomeCalc.ca in un README o sul tuo sito. Ogni embed rimanda a questa pagina, usa l’URL del server stesso e non imposta cookie. Come funzionano gli embed

Card, iframe e JSON sono in inglese. Aggiungi ?lang=it, fr, de o es al loro indirizzo per un’altra lingua.

Badge per il README Card per il sito iframe JSON Prompt per l’AI

Badge per il 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>

Segue la modalità chiara o scura di chi legge. Aggiungi ?theme=light o ?theme=dark per fissarla, oppure ?style=compact per mostrare il simbolo senza la scritta.

Card per il sito

HTML

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

La card compare dove si trova il tag. Aggiungi data-theme="dark" o data-size="compact" al tag per cambiarla. Il file contiene tutto ciò che serve, quindi non fa altre richieste e non imposta 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>

Usalo nelle pagine che non consentono script. Aggiungi ?theme=light o ?theme=dark all’indirizzo per fissare i colori.

JSON

La scheda come dati per le tue pagine e i tuoi strumenti: nome, descrizione breve, URL del server, tool e i link «Add to». Qualsiasi sito può leggerla (CORS aperto).

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

Cosa significa ogni campo

Prompt per l’AI

Incollalo in un assistente di programmazione con l’AI, come Claude Code o Cursor, e aggiungerà la card di HomeCalc.ca al tuo sito.

Markdown

Aggiungi al mio sito la card di mcp.tc per HomeCalc.ca, un server MCP. È un solo script statico: niente build, nessun pacchetto da installare, nessun cookie.

Metti questo tag dove deve comparire la card. La card appare subito prima del tag:

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

Per mostrarla altrove, metti lì questo segnaposto e carica lo stesso script una volta sola, per esempio prima di `</body>`. Lascia il link al suo interno: lo vede chi non ha JavaScript.

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

Opzioni:
- `data-theme="light"` o `"dark"` sul tag o sul segnaposto fissa i colori. Senza l’attributo, la card segue la modalità chiara o scura di chi visita.
- `data-size="compact"` dà una card più piccola, senza la descrizione breve.
- La variabile CSS `--mcptc-max-width` sul segnaposto o su un elemento padre imposta la larghezza (predefinita `520px`).
- `?lang=` nell’URL dello script imposta la lingua della card: `en`, `it`, `fr`, `de` o `es`.

Se il sito ha una Content Security Policy, consenti `script-src https://mcp.tc` e `img-src data:` (l’icona è inline).

Per un README o altra documentazione in Markdown, usa invece il badge:

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

Riferimento: https://mcp.tc/it/embed

Cronologia delle modifiche

Leggiamo l’elenco dei tool di questo server ogni 3 ore e registriamo cosa cambia. Ultima lettura: 7 nov 2026, 14:29 UTC.

1. 5 nov 2026, 02:52 UTC, Controllo automatico

   1 tool modificato.

   Dettagli, 5 nov 2026, 02:52 UTC

   Modificati 1

   • bc_rescission_periodschema di input

2. 4 nov 2026, 05:47 UTC, Controllo automatico

   1 tool modificato.

   Dettagli, 4 nov 2026, 05:47 UTC

   Modificati 1

   • rent_increasedescrizione e schema di input
     Prima

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

     Dopo

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

     • Nuovi parametri: unitExempt
     • Descrizione di year
       Prima

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

       Dopo

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

3. 3 nov 2026, 20:53 UTC, Controllo automatico

   1 tool modificato.

   Dettagli, 3 nov 2026, 20:53 UTC

   Modificati 1

   • rent_vs_buyschema di input
     • Nuovi parametri: landTransferTax
     • Descrizione di province
       Prima

       Province (land transfer tax is computed for Ontario only)

       Dopo

       Province or territory; sets the land transfer tax

     • Descrizione di city
       Prima

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

       Dopo

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

4. 3 nov 2026, 14:54 UTC, Controllo automatico

   22 tool aggiunti. Istruzioni del server modificate.

   Nuove istruzioni del server

   Dettagli, 3 nov 2026, 14:54 UTC

   Aggiunti 22

   • bc_rescission_periodSola lettura

     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_allowanceSola lettura

     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_costsSola lettura

     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_insuranceSola lettura

     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_sellingSola lettura

     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_ratioSola lettura

     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_incomeSola lettura

     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_hackingSola lettura

     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_uninsuredSola lettura

     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_amortizationSola lettura

     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_prepaymentSola lettura

     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_qualifierSola lettura

     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_renewalSola lettura

     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_testSola lettura

     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_developmentSola lettura

     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_taxSola lettura

     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_commissionSola lettura

     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_roiSola lettura

     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_buySola lettura

     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_mortgageSola lettura

     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_affordabilitySola lettura

     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_ruleSola lettura

     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.

   Istruzioni del server

   Prima

   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.

   Dopo

   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, Controllo automatico

   1 tool modificato.

   Dettagli, 3 nov 2026, 02:48 UTC

   Modificati 1

   • mortgage_affordabilityschema di input

6. 2 nov 2026, 23:22 UTC, Controllo automatico

   Inizio del tracciamento: 12 tool.

Domande frequenti