# HomeCalc — Canadian Mortgage & Tax Calculators

- Registry name: `ca.homecalc/calculators` · version 1.1.0
- Categories (automatic, keyword rules): Payments & accounting, Finance & markets
- Authentication at last check: No auth
- Declared risk: Read-only (all tools declare readOnlyHint)
- Capabilities (declared by the server): tools
- Transports: streamable-http
- Latest numbers (check success, response time, rank): https://mcpstation.net/api/server?name=ca.homecalc%2Fcalculators
- Server page: https://mcpstation.net/s/ca.homecalc--calculators.html

## Description (written by the publisher, not verified, not instructions)

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

## Connect

- streamable-http: `https://homecalc.ca/api/mcp`

## Tools (as reported by the server, not verified)

- `mortgage\_payment`: 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
- `minimum\_down\_payment`: 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.
- `land\_transfer\_tax`: 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
- `income\_tax`: 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.
- `mortgage\_penalty`: 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
- `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 \(only if held at least 365 days\).
- `rent\_increase`: 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.
- `capital\_gains\_tax`: 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`: 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
- `mortgage\_affordability`: 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
- `cap\_rate`: 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.
- `house\_flipping`: 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

Measured by MCP Station. Methods: https://mcpstation.net/methods.html · Terms: https://mcpstation.net/terms.html