MCP server

HomeCalc — Canadian Mortgage & Tax Calculators Official

ca.homecalc/calculators

Checked 26 Oct 2026, 08:29 UTC · Connected to it and listed its tools

Canadian mortgage, tax & land transfer calculators: 12 read-only tools, LTT for all 13 provinces.

Website

At a glance

Type

MCP server

Publisher

homecalc.ca (verified by the MCP Registry)

Status

Working at last check

Tools

12

Token cost

About 5,754 tokens per request

Sets up in

Claude Code, Claude Desktop, Codex, Gemini CLI, Cursor, VS Code, Antigravity, ChatGPT, OpenAI API, Grok

Last checked

26 Oct 2026, 08:29 UTC

Connect it to your agent

Add to CursorAdd to VS CodeVS Code Insiders

Opens the app, which shows the server and asks you to confirm. For other apps, copy the setup below.

Claude Code

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

Claude Desktop

Settings → Connectors → Add custom connector, and paste the URL.

Codex (config.toml)

[mcp_servers.calculators]
url = "https://homecalc.ca/api/mcp"

Gemini CLI

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

Cursor

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

VS Code

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

Antigravity

agy mcp add calculators https://homecalc.ca/api/mcp

ChatGPT

Settings → Apps & Connectors → Advanced settings: turn on Developer mode, then Create a connector and paste the URL. Which plans can do this varies.

OpenAI API (Responses tools)

{"type":"mcp","server_label":"calculators","server_url":"https://homecalc.ca/api/mcp","require_approval":"always"}

Grok (xAI API tools)

{"type":"mcp","server_label":"calculators","server_url":"https://homecalc.ca/api/mcp"}

Tools

• bc_home_flipping_tax ~209 tokens
  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).
• cap_rate ~503 tokens
  Analyze a Canadian rental property: capitalization rate, net operating income, gross rent multiplier, expense ratio, annual cash flow and cash-on-cash return, plus how the cap rate compares to typical yields in the local market. Mortgage math uses Canadian semi-annual compounding.
• capital_gains_tax ~870 tokens
  Estimate Canadian capital gains tax on a disposition (real estate, stocks, crypto, a business, or a rental property). Applies the flat 50% inclusion rate, the principal-residence exemption, the lifetime capital gains exemption for QSBC shares, capital-loss offsets, and rental CCA recapture — then ta
• heloc_second_mortgage ~687 tokens
  Compare a HELOC against a second mortgage for tapping home equity in Canada. Returns 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 equivalent numbers for B and pr
• house_flipping ~693 tokens
  Estimate the profit on a Canadian house flip: land transfer tax (with first-time buyer rebate), renovation cost 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, n
• income_tax ~250 tokens
  Calculate 2026 Canadian federal + provincial income tax, CPP/QPP, EI, QPIP (Quebec), Ontario surtax and Health Premium where applicable, plus net (take-home) pay for any province.
• land_transfer_tax Moves money · ~418 tokens
  Estimate land transfer tax on a home purchase for all 13 provinces and territories (incl. Toronto MLTT, Montreal welcome tax), first-time buyer rebates, plus the transfer registration fee (the government fee to register the deed) and the total due at registration. Alberta, Saskatchewan, Newfoundland
• minimum_down_payment ~144 tokens
  Calculate the minimum down payment for a Canadian home under the Dec 2024 CMHC rules (5% on the first $500k, 10% on the portion from $500k–$1.5M, 20% at/above $1.5M), plus whether CMHC insurance applies and the premium rate.
• mortgage_affordability ~539 tokens
  Work out the maximum home price a Canadian buyer qualifies for: binary-searches the price that keeps both the GDS (39%) and TDS (44%) ratios satisfied 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 mortg
• mortgage_payment ~602 tokens
  Calculate the periodic mortgage payment for a Canadian home. Call it ONE of two ways: (a) if the user gave a PURCHASE PRICE, pass homePrice + downPayment and CMHC insurance is applied when the down payment is under 20%; (b) if the user gave a MORTGAGE / LOAN AMOUNT (e.g. "payment on a $500,000 mortg
• mortgage_penalty ~654 tokens
  Estimate the penalty to break a Canadian mortgage: three months' interest vs the interest rate differential (IRD), including the big-bank posted-rate method. Fixed = greater of the two; variable = usually three months' interest. IMPORTANT: the three rate inputs below are lender-specific and are NOT
• rent_increase ~185 tokens
  Calculate the maximum allowable annual rent increase under the Ontario LTB, BC RTB or Manitoba RTB guideline for a given year, and the resulting new rent.

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