HomeCalc
Canadian mortgage, tax and land transfer calculators for home buyers and property owners.
Calculates Canadian mortgages, income tax, land transfer tax across all provinces, capital gains, rental property analysis, and home flipping costs. Includes CMHC insurance, stress-test qualification, and province-specific rules like Toronto and Montreal taxes.
Try asking Muse: "How much can I afford to borrow for a home in Ontario with my current income and down payment?"
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Source: Found in the official MCP Registry (ca.homecalc/calculators) · First listed October 28, 2026
Last 24 hours
Each bar is one check, every 15 minutes. Green means it answered. Last checked 3 h ago.
Is it safe to connect?
What Muse can see: It does not ask you to sign in, so it cannot see your accounts. It only sees what Muse sends it from your request.
Before it acts: Read what Muse plans to do before you approve it, and remove the app from Muse when you stop using it.
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How to add it to Muse
Not in Muse's Connectors list yet, but Muse can still use it. Copy the request below and paste it into Muse. Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
https://homecalc.ca/api/mcpNot in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
Also use it in ChatGPT or Claude
HomeCalc is a remote MCP server, so any assistant that can add a custom connector by link can use it. Same link, same tools.
Add it to ChatGPT
- 1
Open ChatGPT settings
In ChatGPT, open Settings, then Connectors (called Apps & Connectors on some accounts).
- 2
Turn on developer mode
Under Advanced settings, switch on Developer mode. That is what lets you add a connector by link.
- 3
Create the connector
Choose Create, give it a name, paste the link as the MCP server URL, and save. If it needs a sign-in, ChatGPT asks for it here.
- 4
Use it in a chat
Start a chat, open the tools menu, pick the connector, and ask. ChatGPT asks before it runs a tool the first time.
Custom connectors need a paid ChatGPT plan, and on Team, Enterprise and Edu accounts only an admin can add them. Our "Working" label means the server answered us; it cannot tell whether your plan lets you add it. All connectors that work in ChatGPT
Add it to Claude
- 1
Open Claude settings
In Claude, open Settings, then Connectors.
- 2
Add a custom connector
Choose Add custom connector, give it a name, and paste the link.
- 3
Connect and use it
If it needs a sign-in, Claude sends you to it. Then turn the connector on in a chat from the tools menu and ask.
Custom connectors are available on paid Claude plans; on Team and Enterprise accounts an admin may need to add them. Our "Working" label means the server answered us; it cannot tell whether your plan lets you add it. All connectors that work in Claude
https://homecalc.ca/api/mcpWhat people ask Muse to do
Technical details: safety screening, tools, response time and recent checks
Response time at the last check: 155ms. Worked in 100% of checks over 30 days.
Screening · October 28, 2026
Screened, no issues found
Screening looks for known threats and hidden instructions at the time of the check, and runs again weekly and whenever the tool list changes. It cannot see the server's code, so only connect what you need and review what Muse asks to do. How screening works.
Tools · 12
mortgage_paymentCalculate 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. "paymentminimum_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 CMHC insurance applies and the premium rate.land_transfer_taxEstimate 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, Saskatincome_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.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. Fixed = greater of the two; variable = usually three months' interest. IMPORTANT: the three rate inputs below are lender-sbc_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 held at least 365 days).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.capital_gains_taxEstimate 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 CCAheloc_second_mortgageCompare 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 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, honouring the Dec-2024 minimum down payment tiers and the $1.5M CMHC insurability ceiling. Returns 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 compares to typical yields in the local market. Mortgage math uses Canadian semi-annual compoundinghouse_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 costs — then the tax bill. Flags the CRA residential property flipping rule (held under 12 months = 100Recent checks
Link
https://homecalc.ca/api/mcpQuestions about HomeCalc in Muse
How do I connect HomeCalc to Muse?
Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use HomeCalc to help me. It is a free service with an MCP server at https://homecalc.ca/api/mcp. It does not need an API key. Ask me before you share anything with it." Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
Is HomeCalc working right now?
At the last check (October 29, 2026, 08:45 UTC) the endpoint was working, answering in 155ms. Over the last 7 days it answered 100% of health checks. It is checked every 15 minutes.
Is HomeCalc safe to connect to Muse?
It was screened on October 28, 2026 with the result "screened, no issues found". Screening checks the domain against threat feeds and reads the tools for hidden instructions and requests for passwords or card numbers. It cannot see the server's code, so grant only the access you need.
What can HomeCalc do in Muse?
It exposes 12 tools, including mortgage_payment, minimum_down_payment, land_transfer_tax, income_tax. For example, you could ask Muse: "How much can I afford to borrow for a home in Ontario with my current income and down payment?"
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