HomeCalc — Canadian Mortgage & Tax Calculators

ca.homecalc/calculatorsVersion 1.2.0

34 read-only Canadian mortgage, tax and home-buying tools, including nationwide LTT coverage.

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https://homecalc.ca/api/mcpResponds315 msNov 14, 2026, 13:41 UTC

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Claude Code

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

Claude Desktop and claude.ai

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3

Settings > Connectors > Add custom connector
Name: calculators
Remote MCP server URL: https://homecalc.ca/api/mcp

Cursor

{
  "mcpServers": {
    "calculators": {
      "url": "https://homecalc.ca/api/mcp"
    }
  }
}

VS Code

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

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Tools

34 tools

Tools of HomeCalc — Canadian Mortgage & Tax Calculators
	Description		Read-only	Idempotent	Open world
`bc_home_flipping_tax`Estimate British Columbia's home flipping tax on a property sold within 730 days: 20% tapering to 0% between 366 and 730 days, with a $20,000 primary-residence deduction (only if held at least 365 days).	Estimate British Columbia's home flipping tax on a property sold within 730 days: 20% tapering to 0% between 366 and 730 days, with a $20,000 primary-residence deduction (only if held at least 365 days).	No	Yes	Not declared	No
`bc_rescission_period`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.	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.	No	Yes	Not declared	No
`cap_rate`Canadian rental property analysis: cap rate, net operating income, gross rent multiplier, expense ratio, annual cash flow and cash-on-cash return, with the cap rate compared to typical local yields. Mortgage math uses Canadian semi-annual compounding.	Canadian rental property analysis: cap rate, net operating income, gross rent multiplier, expense ratio, annual cash flow and cash-on-cash return, with the cap rate compared to typical local yields. Mortgage math uses Canadian semi-annual compounding.	No	Yes	Not declared	No
`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, and recapture or terminal loss on disposal.	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.	No	Yes	Not declared	No
`capital_gains_tax`Estimate Canadian capital gains tax on real estate, stocks, crypto, a business or a rental: 50% inclusion, principal-residence exemption, LCGE for QSBC shares, capital losses and rental CCA recapture. The gain is taxed on top of other income with the income_tax engine (credits, Ontario surtax + Health Premium, Quebec abatement; no AMT).	Estimate Canadian capital gains tax on real estate, stocks, crypto, a business or a rental: 50% inclusion, principal-residence exemption, LCGE for QSBC shares, capital losses and rental CCA recapture. The gain is taxed on top of other income with the income_tax engine (credits, Ontario surtax + Health Premium, Quebec abatement; no AMT).	No	Yes	Not declared	No
`closing_costs`Cash needed to close a Canadian residential purchase (one or two single-family residences; not commercial, 3+ unit, vacant or farm land) 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.	Cash needed to close a Canadian residential purchase (one or two single-family residences; not commercial, 3+ unit, vacant or farm land) 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.	No	Yes	Not declared	No
`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), and the insured mortgage total.	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.	No	Yes	Not declared	No
`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 mortgage is paid off.	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.	No	Yes	Not declared	No
`debt_service_ratio`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.	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.	No	Yes	Not declared	No
`debt_to_income`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%.	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%.	No	Yes	Not declared	No
`heloc_second_mortgage`Compare a HELOC with a second mortgage for tapping home equity in Canada: how much you can borrow (revolving HELOC capped at 65% LTV, total secured borrowing to 80% with an A lender), monthly payments, TDS qualification at the OSFI stress-test rate, and the same for B and private lenders.	Compare a HELOC with a second mortgage for tapping home equity in Canada: how much you can borrow (revolving HELOC capped at 65% LTV, total secured borrowing to 80% with an A lender), monthly payments, TDS qualification at the OSFI stress-test rate, and the same for B and private lenders.	No	Yes	Not declared	No
`house_flipping`Estimate profit on a Canadian house flip: land transfer tax (with first-time buyer rebate), renovation with contingency, holding costs, realtor commission and closing costs, then the tax bill. Flags the CRA residential property flipping rule (held under 12 months = 100% business income, no capital gains treatment) and the tax saved by waiting past 12 months.	Estimate profit on a Canadian house flip: land transfer tax (with first-time buyer rebate), renovation with contingency, holding costs, realtor commission and closing costs, then the tax bill. Flags the CRA residential property flipping rule (held under 12 months = 100% business income, no capital gains treatment) and the tax saved by waiting past 12 months.	No	Yes	Not declared	No
`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 without rental add-back.	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.	No	Yes	Not declared	No
`income_tax`2026 Canadian federal + provincial income tax, CPP/QPP, EI, QPIP (Quebec), Ontario surtax and Health Premium where applicable, and take-home pay, for any province.	2026 Canadian federal + provincial income tax, CPP/QPP, EI, QPIP (Quebec), Ontario surtax and Health Premium where applicable, and take-home pay, for any province.	No	Yes	Not declared	No
`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. Renewals depend on whether a premium was paid at origination.	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.	No	Yes	Not declared	No
`land_transfer_tax`Land transfer tax on a residential purchase (1–2 single-family residences; not commercial, 3+ unit or vacant/farm land) in all 13 provinces/territories (incl. Toronto MLTT, Montreal welcome tax), first-time buyer rebates, the transfer registration fee and total due at registration. AB, SK, NL and the territories charge only the registration fee. Mortgage registration fee not included.	Land transfer tax on a residential purchase (1–2 single-family residences; not commercial, 3+ unit or vacant/farm land) in all 13 provinces/territories (incl. Toronto MLTT, Montreal welcome tax), first-time buyer rebates, the transfer registration fee and total due at registration. AB, SK, NL and the territories charge only the registration fee. Mortgage registration fee not included.	No	Yes	Not declared	No
`minimum_down_payment`Minimum down payment for a Canadian home under the Dec 2024 CMHC rules (5% of the first $500k, 10% of $500k–$1.5M, 20% at/above $1.5M), whether CMHC insurance applies, and the premium rate.	Minimum down payment for a Canadian home under the Dec 2024 CMHC rules (5% of the first $500k, 10% of $500k–$1.5M, 20% at/above $1.5M), whether CMHC insurance applies, and the premium rate.	No	Yes	Not declared	No
`mortgage_affordability`Maximum home price a Canadian buyer qualifies for: the highest price that keeps GDS (39%) and TDS (44%) within limits at the OSFI stress-test rate, honouring the Dec-2024 minimum down payment tiers and the $1.5M CMHC insurability ceiling. Returns max price, max mortgage, CMHC premium, monthly payment and GDS/TDS.	Maximum home price a Canadian buyer qualifies for: the highest price that keeps GDS (39%) and TDS (44%) within limits at the OSFI stress-test rate, honouring the Dec-2024 minimum down payment tiers and the $1.5M CMHC insurability ceiling. Returns max price, max mortgage, CMHC premium, monthly payment and GDS/TDS.	No	Yes	Not declared	No
`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. Optional lump-sum / payment-increase prepayments show interest and time saved.	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.	No	Yes	Not declared	No
`mortgage_payment`Periodic payment on a Canadian mortgage. Pass EITHER homePrice + downPayment (CMHC insurance is added under 20% down) OR loanAmount alone when the user gave the mortgage amount (e.g. "payment on a $500,000 mortgage"). Never invent a purchase price to reach a loan amount: it shifts the answer and adds a CMHC premium the user may not owe.	Periodic payment on a Canadian mortgage. Pass EITHER homePrice + downPayment (CMHC insurance is added under 20% down) OR loanAmount alone when the user gave the mortgage amount (e.g. "payment on a $500,000 mortgage"). Never invent a purchase price to reach a loan amount: it shifts the answer and adds a CMHC premium the user may not owe.	No	Yes	Not declared	No
`mortgage_penalty`Estimate the penalty to break a Canadian mortgage: three months' interest vs the interest rate differential (IRD), incl. the big-bank posted-rate method. Fixed = greater of the two; variable = usually three months' interest. The three optional rate inputs are lender-specific: if omitted, illustrative site defaults are used (the answer can be several times off) and listed in `assumedInputs` — show them to the user and have them confirm with their lender.	Estimate the penalty to break a Canadian mortgage: three months' interest vs the interest rate differential (IRD), incl. the big-bank posted-rate method. Fixed = greater of the two; variable = usually three months' interest. The three optional rate inputs are lender-specific: if omitted, illustrative site defaults are used (the answer can be several times off) and listed in `assumedInputs` — show them to the user and have them confirm with their lender.	No	Yes	Not declared	No
`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 IRD).	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).	No	Yes	Not declared	No
`mortgage_qualifier`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.	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.	No	Yes	Not declared	No
`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. An optional lump sum at renewal reduces the balance.	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.	No	Yes	Not declared	No
`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. Straight-switch renewals are exempt unless the amount or amortization increases.	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.	No	Yes	Not declared	No
`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.	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.	No	Yes	Not declared	No
`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%). Pass ratePct instead of city to use the rate on your own bill.	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.	No	Yes	Not declared	No
`real_estate_commission`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.	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.	No	Yes	Not declared	No
`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 rent the work earns.	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.	No	Yes	Not declared	No
`rent_increase`ON/BC/MB rent-increase guideline and new rent, floored to the cent. capped:false = exempt unit.	ON/BC/MB rent-increase guideline and new rent, floored to the cent. capped:false = exempt unit.	No	Yes	Not declared	No
`rent_vs_buy`Compare renting with buying over a time horizon: net cost and net wealth of each, the break-even year, and milestone years. Both households start with the same cash (the buyer's down payment and buying costs); each month whoever pays less for housing invests the difference. Net wealth = home equity after selling (+ the buyer's invested savings) vs the renter's portfolio; net cost counts only investment GAINS, so the difference in net cost equals the difference in net wealth. breakEvenYear = first year (1–30) the buyer's net wealth exceeds the renter's.	Compare renting with buying over a time horizon: net cost and net wealth of each, the break-even year, and milestone years. Both households start with the same cash (the buyer's down payment and buying costs); each month whoever pays less for housing invests the difference. Net wealth = home equity after selling (+ the buyer's invested savings) vs the renter's portfolio; net cost counts only investment GAINS, so the difference in net cost equals the difference in net wealth. breakEvenYear = first year (1–30) the buyer's net wealth exceeds the renter's.	No	Yes	Not declared	No
`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 5/10/15/20 years.	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.	No	Yes	Not declared	No
`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), optional rental income add-back.	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.	No	Yes	Not declared	No
`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.	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.	No	Yes	Not declared	No

Details

Registry status: Active
Published: Nov 3, 2026
Updated: Nov 3, 2026
Website: https://homecalc.ca/connector⁠ (opens in a new tab)
Repository: Not given
Categories (suggested): Finance and paymentsSuggested categories are assigned automatically from the registry text and may be wrong. Verified operators can correct them.
GDPR: Not declared

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