# HomeCalc — Canadian Mortgage & Tax Calculators (remote · homecalc.ca)

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

- Trust score: 62/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-10-18

## Components

- remote · `homecalc.ca`: 62/100 (this document), [markdown](https://verifymcp.io/servers/ca-homecalc-calculators/api-mcp.md), [page](https://verifymcp.io/servers/ca-homecalc-calculators/api-mcp)

## Channel facts

- Endpoint: `https://homecalc.ca/api/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.1.0`

## Trust breakdown

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. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-10-18.

- **Endpoint Security**: 63/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - 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.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 54/100
  - AI-judged instruction clarity (good).
  - 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.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 10/100
  - Stability observed for 3 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 93/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 79% of tool parameters carry a description.
- **Tool Safety**: 75/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - 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.
  - An AI judge read all 13 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### 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.

### Claude

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

### Cursor

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

### VS Code

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

### Codex

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

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "ca-homecalc-calculators": {
      "type": "remote",
      "url": "https://homecalc.ca/api/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add ca-homecalc-calculators --url 'https://homecalc.ca/api/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  ca-homecalc-calculators:
    url: "https://homecalc.ca/api/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "ca-homecalc-calculators": {
      "Transport": "http",
      "Url": "https://homecalc.ca/api/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add ca-homecalc-calculators -t streamable-http -u 'https://homecalc.ca/api/mcp'
```

### Other

```json
{
  "mcpServers": {
    "ca-homecalc-calculators": {
      "type": "http",
      "url": "https://homecalc.ca/api/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-10-17 (score 62, +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.

### 2026-10-16 (score 61, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-15 (score 61)

First indexed and scored.

## MCP tools (12)

### `mortgage_payment` (~355 tokens)

Canadian Mortgage Payment Calculator

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.

Input parameters:

- `amortizationYears` (number): Amortization in years (max 25 insured, 30 uninsured/first-time new builds)
- `annualInterestRatePct` (number, required): 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)

### `minimum_down_payment` (~96 tokens)

Minimum Down Payment Calculator (Canada)

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.

Input parameters:

- `homePrice` (number, required): Purchase price in CAD, e.g. 800000

### `land_transfer_tax` (~196 tokens)

Canadian Land Transfer Tax Calculator

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.

Input parameters:

- `inToronto` (boolean): Ontario only: property is within the City of Toronto (adds the municipal LTT)
- `isFirstTimeBuyer` (boolean)
- `price` (number, required): Purchase price in CAD
- `province` (string, required): 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

### `income_tax` (~99 tokens)

Canadian Income Tax & Take-Home Calculator

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.

Input parameters:

- `annualIncome` (number, required): Gross annual employment income in CAD
- `employmentType` (string)
- `province` (string, required): Province of residence
- `rrspContribution` (number): Annual RRSP contribution in CAD

### `mortgage_penalty` (~369 tokens)

Mortgage Prepayment Penalty Calculator (IRD)

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.

Input parameters:

- `balance` (number, required): Outstanding mortgage balance in CAD
- `contractRatePct` (number, required): 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, required): 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.

### `bc_home_flipping_tax` (~120 tokens)

BC Home Flipping Tax Calculator

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).

Input parameters:

- `daysHeld` (number, required): Number of days the property was owned before sale
- `isPrimaryResidence` (boolean): Lived in it as a primary residence
- `taxableIncome` (number, required): Proceeds minus cost to acquire minus cost to improve (may be negative)

### `rent_increase` (~90 tokens)

Rent Increase Guideline Calculator (ON / BC / MB)

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.

Input parameters:

- `currentRent` (number, required): Current monthly rent in CAD
- `province` (string, required)
- `year` (string, required): Guideline year, e.g. '2026'. Use the rent_increase tool's supported years if unsure.

### `capital_gains_tax` (~404 tokens)

Canadian Capital Gains Tax Calculator

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.

Input parameters:

- `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, required): Original purchase price in CAD
- `salePrice` (number, required): 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)

### `heloc_second_mortgage` (~323 tokens)

HELOC & Second Mortgage Calculator (Canada)

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.

Input parameters:

- `amountToBorrow` (number, required): Amount you want to borrow in CAD
- `annualHouseholdIncome` (number, required): 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, required): Current market value of the home in CAD
- `outstandingFirstMortgage` (number, required): 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)

### `mortgage_affordability` (~283 tokens)

Mortgage Affordability Calculator (Canada)

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.

Input parameters:

- `amortizationYears`
- `annualIncome` (number, required): 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, required): 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)

### `cap_rate` (~219 tokens)

Cap Rate & Rental Property Calculator (Canada)

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.

Input parameters:

- `amortizationYears` (number)
- `annualOperatingExpenses` (number, required): 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, required): 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, required): Total gross monthly rent across all units in CAD
- `propertyType` (string)
- `purchasePrice` (number, required): Purchase price in CAD
- `vacancyRatePct` (number): Vacancy allowance as a percent of gross rent

### `house_flipping` (~327 tokens)

House Flipping Profit Calculator (Canada)

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.

Input parameters:

- `afterRepairValue` (number, required): 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, required): Purchase price in CAD
- `realtorCommissionPct` (number): Realtor commission on the sale as a percent of ARV
- `renovationCost` (number, required): Budgeted renovation cost in CAD, before contingency

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/ca-homecalc-calculators/api-mcp#diagnostics

## Score history

- 2026-10-18: 62
- 2026-10-17: 62
- 2026-10-16: 61
- 2026-10-15: 61

## Common questions

### 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.

## Links

- Remote endpoint: https://homecalc.ca/api/mcp
- Website: https://homecalc.ca/connector
- Changelog RSS feed: https://verifymcp.io/servers/ca-homecalc-calculators/api-mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/ca-homecalc-calculators/api-mcp.json
- HTML version of this page: https://verifymcp.io/servers/ca-homecalc-calculators/api-mcp