HomeCalc — Canadian Mortgage & Tax Calculators

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

Indexed tools

Tool metadata and schemas come from the remote server and are untrusted. Indexing only lists tools; it never calls them.

12 shown · authentication unknown

• BC Home Flipping Tax Calculator

  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).

  Schema valid · SHA-256 4b9759207118…

  View input schema

  {
    "type": "object",
    "properties": {
      "taxableIncome": {
        "type": "number",
        "description": "Proceeds minus cost to acquire minus cost to improve (may be negative)"
      },
      "daysHeld": {
        "type": "number",
        "minimum": 0,
        "description": "Days owned before the sale"
      },
      "isPrimaryResidence": {
        "default": false,
        "description": "Lived in it as a primary residence",
        "type": "boolean"
      }
    },
    "required": [
      "taxableIncome",
      "daysHeld"
    ],
    "examples": [
      {
        "taxableIncome": 120000,
        "daysHeld": 500
      }
    ]
  }

• Cap Rate & Rental Property Calculator (Canada)

  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 rate compared to typical local yields. Mortgage math uses Canadian semi-annual compounding.

  Schema valid · SHA-256 35d54b9ccaf4…

  View input schema

  {
    "type": "object",
    "properties": {
      "purchasePrice": {
        "type": "number",
        "exclusiveMinimum": 0,
        "description": "Purchase price in CAD"
      },
      "monthlyGrossRent": {
        "type": "number",
        "minimum": 0,
        "description": "Gross monthly rent for all units in CAD"
      },
      "annualOperatingExpenses": {
        "type": "number",
        "minimum": 0,
        "description": "Annual operating expenses in CAD (tax, insurance, management, maintenance, landlord utilities); excludes the mortgage"
      },
      "downPayment": {
        "type": "number",
        "minimum": 0,
        "description": "Down payment in CAD. Set equal to purchasePrice for an all-cash purchase."
      },
      "interestRatePct": {
        "default": 5.49,
        "description": "Mortgage rate as a percent, e.g. 5.49",
        "type": "number",
        "minimum": 0,
        "maximum": 25
      },
      "amortizationYears": {
        "default": 25,
        "description": "Mortgage amortization in years",
        "type": "number",
        "minimum": 1,
        "maximum": 30
      },
      "vacancyRatePct": {
        "default": 5,
        "description": "Vacancy allowance as a percent of gross rent",
        "type": "number",
        "minimum": 0,
        "maximum": 100
      },
      "city": {
        "default": "other",
        "description": "City used for the cap-rate benchmark range",
        "type": "string",
        "enum": [
          "toronto",
          "vancouver",
          "calgary",
          "edmonton",
          "ottawa",
          "montreal",
          "halifax",
          "winnipeg",
          "hamilton",
          "kitchener-waterloo",
          "other"
        ]
      },
      "propertyType": {
        "default": "single-family",
        "description": "Used for down payment warnings",
        "type": "string",
        "enum": [
          "single-family",
          "multi-unit",
          "commercial",
          "mixed-use"
        ]
      }
    },
    "required": [
      "purchasePrice",
      "monthlyGrossRent",
      "annualOperatingExpenses",
      "downPayment"
    ],
    "examples": [
      {
        "purchasePrice": 650000,
        "monthlyGrossRent": 3400,
        "annualOperatingExpenses": 9500,
        "downPayment": 130000,
        "city": "hamilton"
      }
    ]
  }