HomeCalc — Canadian Mortgage & Tax Calculators
REMOTE · HOMECALC.CA
Canadian mortgage, tax & land transfer calculators: 12 read-only tools, LTT for all 13 provinces.
Available components
Last scanned (10 hours ago)
Scores higher than 46% of remote servers
Reachable. Last reached 18 Oct 2026.
Category Finance and Payments
How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score → Why this is hard to score →
Endpoint Security63
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- Authorisation not fully verified: no authorisation is required to call this server, and 1 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe. See how to fix → View diagnostics → Unverified
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- The HSTS (Strict-Transport-Security) header is present. View diagnostics → Pass
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability54
- AI-judged instruction clarity (good).Pass
- Context-footprint check failed: tool/resource definitions use about 2984 tokens (~248/item across 12 items; 12 tools + 0 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management10
- Stability observed for 3 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage93
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 79% of tool parameters carry a description.Partial
Tool Safety75
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- 0 of 1 tool(s) whose name or description implies an irreversible operation declare an MCP destructiveHint annotation; "land_transfer_tax" implies "transfer" and declares readOnlyHint instead, contradicting what its own name says it does. See how to fix → Fail
- An AI judge read all 13 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a current MCP spec version (2026-07-28).Pass
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 17 Oct 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.
- 16 Oct 26 0
- Stability: unverified → 0.03 ▲ functional
- 15 Oct 26 61
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 18 Oct 2026 · Probed https://homecalc.ca/api/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=homecalc.ca | CN=YE1,O=Let's Encrypt,C=US | 20 Sept 2026 | 19 Dec 2026 | ECDSA 256 | ECDSA-SHA384 | 5ae3b4150b507171c20449b3915a9a605b1 |
| SANs: *.homecalc.ca, homecalc.ca | ||||||
| CN=YE1,O=Let's Encrypt,C=US (CA) | CN=Root YE,O=ISRG,C=US | 3 Sept 2025 | 2 Sept 2028 | ECDSA 384 | ECDSA-SHA384 | 5ddd70dd31f801c85c186a7a04b80afe |
| CN=Root YE,O=ISRG,C=US (CA) | CN=ISRG Root X2,O=Internet Security Research Group,C=US | 13 May 2026 | 2 Sept 2032 | ECDSA 384 | ECDSA-SHA384 | 872165fc34b6e5fba8add5b3705fb53a |
| CN=ISRG Root X2,O=Internet Security Research Group,C=US (CA) | CN=ISRG Root X1,O=Internet Security Research Group,C=US | 13 May 2026 | 2 Sept 2032 | ECDSA 384 | SHA256-RSA | 6c8f1dc727c7117f7baf853ac980f9cd |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of homecalc.ca. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| ca. | present | 26384 | 13 | Verified |
| homecalc.ca. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
| Header | Value |
|---|---|
| strict-transport-security | max-age=63072000 |
| content-security-policy | default-src 'self'; script-src 'self' 'unsafe-inline' 'unsafe-eval' https://www.googletagmanager.com https://www.google-analytics.com https://static.cloudflareinsights.com https://www.clarity.ms https://scripts.clarity.ms https://c.clarity.ms https://c.bing.com https://analytics.ahrefs.com; style-src 'self' 'unsafe-inline' https://fonts.googleapis.com; img-src 'self' data: https:; font-src 'self' data: https://fonts.gstatic.com; connect-src 'self' https://www.google-analytics.com https://region1.google-analytics.com https://zoupkbvwnmrszrsaohpy.supabase.co https://www.clarity.ms https://c.clarity.ms https://*.clarity.ms https://c.bing.com https://analytics.ahrefs.com; frame-ancestors 'self' |
| x-content-type-options | nosniff |
| referrer-policy | strict-origin-when-cross-origin |
| permissions-policy | camera=(), microphone=(), geolocation=() |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://homecalc.ca/api/mcp | Verified | 200 | |
| http (plaintext) | http://homecalc.ca/api/mcp | HTTPS enforced | 308 | https://homecalc.ca/api/mcp |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
bc_home_flipping_tax BC Home Flipping Tax Calculator ~120
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).
| Name | Type | Req | Description |
|---|---|---|---|
| daysHeld | number | yes | Number of days the property was owned before sale |
| isPrimaryResidence | boolean | – | Lived in it as a primary residence |
| taxableIncome | number | yes | Proceeds minus cost to acquire minus cost to improve (may be negative) |
No output schema declared.
No examples provided.
cap_rate Cap Rate & Rental Property Calculator (Canada) ~219
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.
| Name | Type | Req | Description |
|---|---|---|---|
| amortizationYears | number | – | – |
| annualOperatingExpenses | number | yes | Total annual operating expenses in CAD (property tax, insurance, management, maintenance, landlord utilities) — excludes mortgage payments |
| city | string | – | City used for the cap-rate benchmark range |
| downPayment | number | yes | Down payment in CAD. Set equal to purchasePrice for an all-cash purchase. |
| interestRatePct | number | – | Mortgage rate as a percent, e.g. 5.49 |
| monthlyGrossRent | number | yes | Total gross monthly rent across all units in CAD |
| propertyType | string | – | – |
| purchasePrice | number | yes | Purchase price in CAD |
| vacancyRatePct | number | – | Vacancy allowance as a percent of gross rent |
No output schema declared.
No examples provided.
capital_gains_tax Canadian Capital Gains Tax Calculator ~404
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 taxes the taxable gain on top of your other income at federal + provincial brackets.
| Name | Type | Req | Description |
|---|---|---|---|
| annualIncome | number | – | Your other annual income in CAD — the gain stacks on top of this |
| assetType | string | – | – |
| buyingCosts | number | – | Land transfer tax, legal fees, and other costs of acquiring |
| capitalImprovements | number | – | Capital improvements added to the adjusted cost base |
| capitalLosses | number | – | Prior/current capital losses available to offset the gain |
| ccaClaimedToDate | number | – | Rental only: total CCA claimed to date |
| isPrincipalResidence | boolean | – | Real estate only: claim the principal residence exemption |
| isQSBC | boolean | – | Business only: qualified small business corporation shares (LCGE) |
| landValue | number | – | Rental only: land portion of the sale price (splits land vs building gain) |
| lcgeRemaining | number | – | Remaining lifetime capital gains exemption room in CAD |
| originalBuildingCost | number | – | Rental only: original building cost for CCA recapture |
| province | string | – | Province/territory of residence |
| purchasePrice | number | yes | Original purchase price in CAD |
| salePrice | number | yes | Gross sale proceeds in CAD |
| sellingCosts | number | – | Realtor commission, legal fees, and other costs of selling |
| taxYear | number | – | Tax year of the disposition |
| taxpayerType | string | – | – |
| yearsDesignated | number | – | Years designated as your principal residence |
| yearsOwned | number | – | Years the property was owned (principal-residence proration) |
No output schema declared.
No examples provided.
heloc_second_mortgage HELOC & Second Mortgage Calculator (Canada) ~323
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 private lenders.
| Name | Type | Req | Description |
|---|---|---|---|
| amountToBorrow | number | yes | Amount you want to borrow in CAD |
| annualHouseholdIncome | number | yes | Gross annual household income in CAD |
| existingMonthlyDebts | number | – | Other monthly debt payments (car, cards, loans) |
| extraMonthlyPrincipal | number | – | Optional extra principal paid monthly on the HELOC |
| helocPrimeRatePct | number | – | Prime rate as a percent; defaults to the site's current prime |
| helocSpreadPct | number | – | Lender spread over prime as a percent, e.g. 0.5 |
| homeValue | number | yes | Current market value of the home in CAD |
| outstandingFirstMortgage | number | yes | Balance remaining on the first mortgage in CAD |
| province | string | – | – |
| purposeOfFunds | string | – | – |
| secondMortgageAmortYears | number | – | – |
| secondMortgageLenderTier | string | – | A = bank/credit union, B = trust/MIC, Private = individual investor |
| secondMortgageRatePct | number | – | Second mortgage rate as a percent; defaults to the tier's typical rate |
| secondMortgageTermYears | number | – | – |
No output schema declared.
No examples provided.
house_flipping House Flipping Profit Calculator (Canada) ~327
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, no capital gains treatment) and shows the tax saving from waiting past the 12-month line.
| Name | Type | Req | Description |
|---|---|---|---|
| afterRepairValue | number | yes | Expected resale price after renovation (ARV) in CAD |
| city | string | – | City name — include 'Toronto' to add the Toronto municipal land transfer tax |
| closingCostsBuy | number | – | Legal and inspection costs on the purchase, excluding land transfer tax |
| closingCostsSell | number | – | Legal and staging costs on the sale, excluding commission |
| contingencyPct | number | – | Renovation contingency as a percent of the renovation budget |
| holdingPeriodMonths | number | – | Months held from purchase to sale — under 12 triggers the CRA flipping rule |
| isFirstTimeBuyer | boolean | – | Eligible for the first-time buyer land transfer tax rebate |
| marginalTaxRatePct | number | – | Your combined marginal tax rate as a percent |
| monthlyHoldingCosts | number | – | Monthly carrying costs: mortgage interest, property tax, insurance, utilities |
| province | string | – | – |
| purchasePrice | number | yes | Purchase price in CAD |
| realtorCommissionPct | number | – | Realtor commission on the sale as a percent of ARV |
| renovationCost | number | yes | Budgeted renovation cost in CAD, before contingency |
No output schema declared.
No examples provided.
income_tax Canadian Income Tax & Take-Home Calculator ~99
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.
| Name | Type | Req | Description |
|---|---|---|---|
| annualIncome | number | yes | Gross annual employment income in CAD |
| employmentType | string | – | – |
| province | string | yes | Province of residence |
| rrspContribution | number | – | Annual RRSP contribution in CAD |
No output schema declared.
No examples provided.
land_transfer_tax Canadian Land Transfer Tax Calculator ~196
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 & Labrador and the three territories charge no land transfer tax, only the registration fee. The mortgage registration fee is separate and not included.
| Name | Type | Req | Description |
|---|---|---|---|
| inToronto | boolean | – | Ontario only: property is within the City of Toronto (adds the municipal LTT) |
| isFirstTimeBuyer | boolean | – | – |
| price | number | yes | Purchase price in CAD |
| province | string | yes | Province or territory |
| quebecMunicipality | string | – | Quebec only: 'montreal' uses Montreal's welcome-tax brackets (the website's Quebec default); 'other' uses the provincial base schedule for municipalities without higher rates above $500,000 |
No output schema declared.
No examples provided.
minimum_down_payment Minimum Down Payment Calculator (Canada) ~96
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.
| Name | Type | Req | Description |
|---|---|---|---|
| homePrice | number | yes | Purchase price in CAD, e.g. 800000 |
No output schema declared.
No examples provided.
mortgage_affordability Mortgage Affordability Calculator (Canada) ~283
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 mortgage, CMHC premium, monthly payment, and the GDS/TDS ratios.
| Name | Type | Req | Description |
|---|---|---|---|
| amortizationYears | – | – | – |
| annualIncome | number | yes | Primary applicant gross annual income in CAD |
| annualPropertyTax | number | – | Estimated annual property tax in CAD |
| coApplicantIncome | number | – | Co-applicant gross annual income in CAD (0 = none) |
| condoFees | number | – | Monthly condo fees — 50% counts toward GDS/TDS for condos |
| downPayment | number | yes | Down payment — dollars, or a percent if downPaymentMode='percent' |
| downPaymentMode | string | – | – |
| interestRatePct | number | – | Contract mortgage rate as a percent, e.g. 4.79 |
| monthlyDebts | number | – | Other monthly debt payments (car, cards, student loans) |
| monthlyHeating | number | – | Estimated monthly heating cost in CAD |
| propertyType | string | – | – |
| province | string | – | – |
No output schema declared.
No examples provided.
mortgage_payment Canadian Mortgage Payment Calculator ~355
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 mortgage"), pass loanAmount on its own. Do NOT invent a purchase price in order to reach a loan amount — use loanAmount. Inventing a price changes the answer by several percent and attaches a CMHC premium the user does not owe.
| Name | Type | Req | Description |
|---|---|---|---|
| amortizationYears | number | – | Amortization in years (max 25 insured, 30 uninsured/first-time new builds) |
| annualInterestRatePct | number | yes | Annual interest rate as a percent, e.g. 5.25 |
| downPayment | number | – | Down payment amount in CAD (or percent if downPaymentType='percent'). Required when homePrice is used. |
| downPaymentType | string | – | – |
| homePrice | number | – | Purchase price in CAD, e.g. 650000. Use with downPayment. Omit if the user gave you the mortgage amount instead. |
| loanAmount | number | – | The mortgage amount itself in CAD, when the user stated the loan rather than the purchase price. Mutually exclusive with homePrice. No CMHC premium is applied on this path — the amount is taken as th… |
| paymentFrequency | string | – | – |
| province | string | – | Province name, used only for CMHC PST on the premium |
| rateType | string | – | – |
| termYears | number | – | – |
No output schema declared.
No examples provided.
mortgage_penalty Mortgage Prepayment Penalty Calculator (IRD) ~369
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 supplied by most users. If they are omitted, this tool falls back to illustrative site defaults and the answer can be several times too low or too high — the response reports exactly which values were assumed in `assumedInputs`. Always surface those assumptions to the user and tell them to confirm the real figures with their lender.
| Name | Type | Req | Description |
|---|---|---|---|
| balance | number | yes | Outstanding mortgage balance in CAD |
| contractRatePct | number | yes | Your contract rate as a percent, e.g. 5.25 |
| currentRateForRemainingTermPct | number | – | Monoline method: today's rate for the remaining term (percent). Lender-specific — omit if unknown and the reply will say it was assumed. |
| lenderMethod | string | – | Big banks use the posted-rate IRD, monolines use actual rates. Which is larger depends on the gap between the discount originally received and today's posted rate — it is NOT always the big bank. |
| monthsRemaining | number | yes | Months remaining in the term |
| postedAtOriginationPct | number | – | Big-bank method: posted (not discounted) rate when you signed, from your mortgage documents. HIGH IMPACT — this single value can change the penalty several-fold. Omit if unknown and the reply will sa… |
| rateType | string | – | – |
| todaysPostedForClosestTermPct | number | – | Big-bank method: your lender's posted rate today for the closest term. Omit if unknown and the reply will say it was assumed. |
No output schema declared.
No examples provided.
rent_increase Rent Increase Guideline Calculator (ON / BC / MB) ~90
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.
| Name | Type | Req | Description |
|---|---|---|---|
| currentRent | number | yes | Current monthly rent in CAD |
| province | string | yes | – |
| year | string | yes | Guideline year, e.g. '2026'. Use the rent_increase tool's supported years if unsure. |
No output schema declared.
No examples provided.
How do I install the HomeCalc — Canadian Mortgage & Tax Calculators MCP server?
HomeCalc — Canadian Mortgage & Tax Calculators is a hosted endpoint at https://homecalc.ca/api/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.
remote · homecalc.ca
claude mcp add --transport http ca-homecalc-calculators 'https://homecalc.ca/api/mcp'
What is the HomeCalc — Canadian Mortgage & Tax Calculators MCP server?
HomeCalc — Canadian Mortgage & Tax Calculators is an MCP server listed in the public MCP registry as ca.homecalc/calculators. Canadian mortgage, tax & land transfer calculators: 12 read-only tools, LTT for all 13 provinces. This page covers its hosted endpoint (https://homecalc.ca/api/mcp).
Is the HomeCalc — Canadian Mortgage & Tax Calculators MCP server safe to use?
HomeCalc — Canadian Mortgage & Tax Calculators scores 62 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.
What tools does the HomeCalc — Canadian Mortgage & Tax Calculators MCP server expose?
HomeCalc — Canadian Mortgage & Tax Calculators exposes 12 tools: mortgage_payment, minimum_down_payment, land_transfer_tax, income_tax, mortgage_penalty, and 7 more. Their descriptions and schemas cost roughly 2,881 tokens of context every time the server is loaded.
Does the HomeCalc — Canadian Mortgage & Tax Calculators MCP server require authentication?
No. We connected to HomeCalc — Canadian Mortgage & Tax Calculators without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the HomeCalc — Canadian Mortgage & Tax Calculators MCP server still maintained?
HomeCalc — Canadian Mortgage & Tax Calculators is still listed as active in the MCP registry. We last reached this channel on 18 October 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.