HomeCalc — Canadian Mortgage & Tax Calculators

by homecalc.ca · remote · no sign-in to list tools · v1.1.0 · published by ca.homecalc

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

Final · 3Changes · 7

Compare Registry entry

12 tools: 3 do something that can't be undone, 7 change things and 2 only read.

Scanned Oct 21, 2026

Deletes or cancels0Claude Code: deny
Can't be undone3Claude Code: ask: see these tools
Changes things7Claude Code: ask: see these tools
Only reads2Claude Code: allow: see these tools

3 checks matched something in the tool definitions. No finding is not a safety guarantee. How the checks work.

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

Findings

Matches of fixed checks, with the text they matched.

3 warn

Warnmortgage_payment
The server marks "mortgage_payment" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
Matched text
annotations: {"readOnlyHint":true,"openWorldHint":false}; The name "mortgage_payment" says "payment": a word that usually means money moves, which cannot be taken back.
What this check looks for
Warnminimum_down_payment
The server marks "minimum_down_payment" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
Matched text
annotations: {"readOnlyHint":true,"openWorldHint":false}; The name "minimum_down_payment" says "payment": a word that usually means money moves, which cannot be taken back.
What this check looks for
Warnland_transfer_tax
The server marks "land_transfer_tax" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
Matched text
annotations: {"readOnlyHint":true,"openWorldHint":false}; The name "land_transfer_tax" says "transfer": a word for a change that another call does not undo.
What this check looks for

Tools

Open a tool for its reasons and full description. Descriptions are the publisher's own words, shown as they are.

12 tools

Can't be undone 3Sends, pays, publishes or merges: once done, it cannot be taken back.Claude Code: ask

land_transfer_taxEstimate land transfer tax on a home purchase for all 13 provinces and territories (incl.1 finding
Why it is in this group
- The name "land_transfer_tax" says "transfer": a word for a change that another call does not undo.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "land_transfer_tax" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
  Matched text
  annotations: {"readOnlyHint":true,"openWorldHint":false}; The name "land_transfer_tax" says "transfer": a word for a change that another call does not undo.
  What this check looks for
Description, as the server wrote it
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.
Annotations the server declares
- readOnlyHint: true
- openWorldHint: false
- title: Canadian Land Transfer Tax Calculator
minimum_down_paymentCalculate 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 …1 finding
Why it is in this group
- The name "minimum_down_payment" says "payment": a word that usually means money moves, which cannot be taken back.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "minimum_down_payment" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
  Matched text
  annotations: {"readOnlyHint":true,"openWorldHint":false}; The name "minimum_down_payment" says "payment": a word that usually means money moves, which cannot be taken back.
  What this check looks for
Description, as the server wrote it
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.
Annotations the server declares
- readOnlyHint: true
- openWorldHint: false
- title: Minimum Down Payment Calculator (Canada)
mortgage_paymentCalculate the periodic mortgage payment for a Canadian home.1 finding
Why it is in this group
- The name "mortgage_payment" says "payment": a word that usually means money moves, which cannot be taken back.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "mortgage_payment" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
  Matched text
  annotations: {"readOnlyHint":true,"openWorldHint":false}; The name "mortgage_payment" says "payment": a word that usually means money moves, which cannot be taken back.
  What this check looks for
Description, as the server wrote it
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.
Annotations the server declares
- readOnlyHint: true
- openWorldHint: false
- title: Canadian Mortgage Payment Calculator

Changes things 7Creates or changes something that can be changed back.Claude Code: ask

bc_home_flipping_taxEstimate 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 h…No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
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).
Annotations the server declares
- readOnlyHint: true
- openWorldHint: false
- title: BC Home Flipping Tax Calculator
capital_gains_taxEstimate Canadian capital gains tax on a disposition (real estate, stocks, crypto, a business, or a rental property).No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
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.
Annotations the server declares
- readOnlyHint: true
- openWorldHint: false
- title: Canadian Capital Gains Tax Calculator
house_flippingEstimate 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 cos…No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
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.
Annotations the server declares
- readOnlyHint: true
- openWorldHint: false
- title: House Flipping Profit Calculator (Canada)
income_taxCalculate 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.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
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.
Annotations the server declares
- readOnlyHint: true
- openWorldHint: false
- title: Canadian Income Tax & Take-Home Calculator
mortgage_affordabilityWork 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,…No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
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.
Annotations the server declares
- readOnlyHint: true
- openWorldHint: false
- title: Mortgage Affordability Calculator (Canada)
mortgage_penaltyEstimate the penalty to break a Canadian mortgage: three months' interest vs the interest rate differential (IRD), including the big-bank posted-rate method.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
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.
Annotations the server declares
- readOnlyHint: true
- openWorldHint: false
- title: Mortgage Prepayment Penalty Calculator (IRD)
rent_increaseCalculate 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.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
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.
Annotations the server declares
- readOnlyHint: true
- openWorldHint: false
- title: Rent Increase Guideline Calculator (ON / BC / MB)

Only reads 2Looks things up and changes nothing.Claude Code: allow

cap_rateAnalyze 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…No findings
Why it is in this group
- The description's first verb is "analyze": a word for reading.
Description, as the server wrote it
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.
Annotations the server declares
- readOnlyHint: true
- openWorldHint: false
- title: Cap Rate & Rental Property Calculator (Canada)
heloc_second_mortgageCompare a HELOC against a second mortgage for tapping home equity in Canada.No findings
Why it is in this group
- The description's first verb is "compare": a word for reading.
Description, as the server wrote it
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.
Annotations the server declares
- readOnlyHint: true
- openWorldHint: false
- title: HELOC & Second Mortgage Calculator (Canada)

This is not a safety rating, and no finding is not a safety guarantee. The groups and findings come from fixed checks of the tool definitions the server returned on the date shown, not from its code or what it does when called. How the checks work.

Install

Pinned to version 1.1.0. Values in angle brackets are yours to fill in.

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

Run in a terminal.

Claude Code permissions

Allow the reads, ask before a change, deny the deletes. Paste into .claude/settings.json.

.claude/settings.json

{
  "permissions": {
    "allow": [
      "mcp__calculators__heloc_second_mortgage",
      "mcp__calculators__cap_rate"
    ],
    "ask": [
      "mcp__calculators__mortgage_payment",
      "mcp__calculators__minimum_down_payment",
      "mcp__calculators__land_transfer_tax",
      "mcp__calculators__income_tax",
      "mcp__calculators__mortgage_penalty",
      "mcp__calculators__bc_home_flipping_tax",
      "mcp__calculators__rent_increase",
      "mcp__calculators__capital_gains_tax",
      "mcp__calculators__mortgage_affordability",
      "mcp__calculators__house_flipping"
    ],
    "deny": []
  }
}

Tools that only read are allowed, tools that change things ask first, tools that delete or cancel are denied. It assumes the server is installed as calculators. Review it before you use it.

Keep track

Get told when this server's tools change: a new tool, a new description, a new class.

https://anlyon.dev/servers/ca.homecalc/calculators/changes.xml

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Source: MCP Registry. Synced Oct 21, 2026, 17:46 UTC.

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