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HomeCalc Canada MCP server

Which MCP servers are HomeCalc Canada's own, from the official registry and from asking its own domain, whether they answer, and what they offer. A program checked each of these, nobody copied them from a product page.

read 2026-10-27

← Back to HomeCalc Canada

Whose server it is
  • Registry nameca.homecalc/calculatorsverified in the MCP registry

The registry name sits under homecalc.ca. The registry only lets a publisher use that namespace after proving control of the domain through DNS or HTTP.

When we asked itchecked 2026-10-27
  • Stateanswerschecked 2026-10-27
  • Tools12
  • Server calls itselfhomecalc
  • Server version0.1.0
  • Protocol version2025-06-18

On 2026-10-27 the server answered initialize and tools/list without a sign-in. First answer in 142 ms.

Should an agent connect itNot proven either way yet
  • Its tools do every use case we checked: check affordability under the federal stress test; estimate closing costs and land transfer tax.
  • Checked on 1 of the 7 days it takes to judge reliability.

Once connected

  • For "check affordability under the federal stress test", the likely first call is mortgage_affordability.
  • For "estimate closing costs and land transfer tax", the likely first call is land_transfer_tax.
  • Parameters are untyped or undescribed in 10 of 12 tools: check arguments before calling.

Said by rules from the measurements above. The likely first call is a model's pick from the tool list; read its description before relying on it.

Measured dailydaily checks: 1, the first on 2026-10-27
  • INITE MCP scoreafter a weeka score needs 7 daily checks: 1 so far
  • What an agent can do with it2 of 2 use cases
  • Answeredmeasuring1 of the 7 daily checks it takes to print a share
  • Median first answer245 ms
  • Space in an agent's context≈ 5,035 tokensthe definitions of all its tools (12), which an agent carries on every turn
  • Tool definitionsB · 86 of 100
  • Typed results0 of 12 toolsdeclared outputSchema: results come typed, read once
  • Parameters without a description: in 10 of 12

What an agent can do with it

  • not sure · estimate mortgage renewal payment increase
  • can do · check affordability under the federal stress test
  • can do · estimate closing costs and land transfer tax

Each of the product's use cases, put to Jev against this server's tool list: can an agent do it with these tools?

Worth a look

None of the five warning signs in these definitions.

A program checks the server once a day: initialize and tools/list, no model. Tokens are the definitions' length at about four characters a token. The grade averages six checks of every tool's name, description, schema and annotations; it says how well the tools are described, not whether they work. The score weighs what was measured and nothing else: answering (25%), doing the product's job (25%), definitions (20%), context (10%), use (10%) and how readily a client connects (10%). A part that was not measured is left out, and a hidden instruction caps the score at 40. The state of vendors' MCP servers: method and numbers →

Tools it offers12 tools · read 2026-10-27
  • 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…

  • 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…

  • 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…

  • 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…

  • 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…

  • 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…

  • 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…

  • 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…

How to connect

Add the server to your MCP client config. Claude Desktop, Cursor and most other clients read this shape:

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

Add it

Claude Code, in a terminal

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

Add to CursorAdd to VS Code

claude.ai, ChatGPT and other clients: add https://homecalc.ca/api/mcp as a custom connector in the settings.

Each line is something a program found when it went looking: the registry entry, the server's own answer, a spec that parses. A missing line means we did not find it, not that it does not exist.