ca.homecalc/calculators

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Publisher-provided title

HomeCalc — Canadian Mortgage & Tax Calculators

Publisher-provided description

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

Summary by lookupd

Runs Canadian mortgage, land transfer tax, income tax, rental and home-sale calculations across provinces, including stress tests and…

Install

Claude Code, remote (streamable-http)

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

Codex, remote (streamable-http)

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

Cursor, remote (streamable-http) → .cursor/mcp.json

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

Other clients: docs. Or tell your agent: Set up lookupd for me: read https://lookupd.com/agent.md and follow it.

Tools (showing 30 of 34)

Publisher-provided text

• 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
• 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 a
• land_transfer_tax Estimate land transfer tax on a home purchase in any of the 13 provinces and territories (incl. Toronto MLTT, Montreal welcome tax) with first-time buyer rebate
• 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 provin
• 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
• 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
• rent_increase ON/BC/MB rent-increase guideline and new rent, floored to the cent. capped:false = exempt unit.
• capital_gains_tax Estimate Canadian capital gains tax on selling real estate, stocks, crypto, a business or a rental. Applies the flat 50% inclusion rate, principal-residence exe
• 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
• 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 th
• 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
• 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 c
• 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. Optio
• 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
• 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 prepayme
• 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
• 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': fr
• 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
• 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,
• 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 payme
• 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
• 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 co
• 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 it
• 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 an
• 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 da
• 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
• 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 dischar
• 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 norma
• 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 st
• 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 clos

Details

• Version: 1.2.0
• Transports: streamable-http
• Uptime (7 days): 100%
• Median latency: 555 ms
• First indexed: 2026-11-01T08:52:08.590Z
• Last seen in registry: 2026-11-03T15:17:10.571Z
• Website: https://homecalc.ca/connector

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• 62071 servers
• Last crawl: 2026-11-11T16:17:25.167Z
• API base: https://api.lookupd.com
• MCP URL: https://api.lookupd.com/mcp