# HomeCalc Muse connector

From musedirectory.ai, the independent directory of Meta Muse connectors. Not affiliated with Meta.

## HomeCalc

Canadian mortgage, tax and land transfer calculators for home buyers and property owners.

- Record: https://musedirectory.ai/connector/homecalc
- Category: Finance & Bills
- Developer: homecalc.ca (https://homecalc.ca/connector)
- Muse status: Extra setup. Not in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
- Health: Working, 201ms, checked 2026-10-29T12:30:53Z
- Endpoint: https://homecalc.ca/api/mcp
- Auth: No account needed; Pricing: unknown
- Screening: Screened, no issues found (2026-10-28T14:26:12Z)
- Source: Found in the official MCP Registry (ca.homecalc/calculators) https://registry.modelcontextprotocol.io/v0/servers?search=ca.homecalc%2Fcalculators

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.

Example request: "How much can I afford to borrow for a home in Ontario with my current income and down payment?"

How to connect: 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.

Tools:
- 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 gave a MORTGAGE / LOAN AMOUNT (e.g. "payment
- 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 total due at registration. Alberta, Saskat
- 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. IMPORTANT: the three rate inputs below are lender-s
- 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 shares, capital-loss offsets, and rental CCA
- 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 OSFI stress-test rate, and the equivalent 
- 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 $1.5M CMHC insurability ceiling. Returns 
- 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 math uses Canadian semi-annual compounding
- 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 flipping rule (held under 12 months = 100

Screening checks:
- MCP handshake: pass (Answered in 252ms)
- Domain against threat feeds (Cloudflare security DNS): pass (homecalc.ca not flagged)
- Published packages against the OSV malicious-package database: n/a (No npm or PyPI package published)
- Hidden instructions or invisible characters in tool text: pass (12 tools read, nothing found)
- Inputs asking for passwords, card numbers or seed phrases: pass (None found)
- Domain and redirects: pass (Domain registered 212 days ago)
- AI review of purpose and tool behavior: pass (No concerns)