HomeCalc — Canadian Mortgage & Tax Calculators
Canadian mortgage, tax & land transfer calculators: 12 read-only tools, LTT for all 13 provinces.
| Endpoint | https://homecalc.ca/api/mcp (streamable-http) |
|---|---|
| Registry version | 1.1.0 |
| Now | 12 tools · grade A (95) · pin ts_3d56976d6e29e695f2d7d64c8f942cd1 · protocol 2025-06-18 |
| First / last listed | 2026-10-24 21:45 UTC / 2026-10-24 21:45 UTC |
| Grade over time | 2026-10-24: A (95), 12 tools |
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Tools: mortgage_payment minimum_down_payment land_transfer_tax income_tax mortgage_penalty bc_home_flipping_tax rent_increase capital_gains_tax heloc_second_mortgage mortgage_affordability cap_rate house_flipping
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 on a $500,000 mortgage"), pass loanAmount on its own. Do NOT invent a purchase price in order to reach a loan amount — params: homePrice, loanAmount, downPayment, annualInterestRatePct*, amortizationYears, downPaymentType, paymentFrequency, rateType, termYears, province |
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. params: homePrice* |
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, Saskatchewan, Newfoundland & Labrador and the three territories charge no land transfer tax, only the registration fee. The mo params: price*, province*, inToronto, isFirstTimeBuyer, quebecMunicipality |
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. params: annualIncome*, province*, employmentType, rrspContribution |
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-specific and are NOT supplied by most users. If they are omitted, this tool falls back to illustrative site defaults and params: balance*, rateType, contractRatePct*, monthsRemaining*, lenderMethod, currentRateForRemainingTermPct, postedAtOriginationPct, todaysPostedForClosestTermPct |
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). params: taxableIncome*, daysHeld*, isPrimaryResidence |
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. params: currentRent*, province*, year* |
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 recapture — then taxes the taxable gain on top of your other income at federal + provincial brackets. params: salePrice*, purchasePrice*, province, annualIncome, assetType, sellingCosts, buyingCosts, capitalImprovements, isPrincipalResidence, yearsOwned, yearsDesignated, isQSBC, lcgeRemaining, capitalLosses, taxpayerType, taxYear, landValue, originalBuildingCost, ccaClaimedToDate |
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 numbers for B and private lenders. params: homeValue*, outstandingFirstMortgage*, amountToBorrow*, annualHouseholdIncome*, province, existingMonthlyDebts, purposeOfFunds, secondMortgageLenderTier, helocPrimeRatePct, helocSpreadPct, secondMortgageRatePct, secondMortgageAmortYears, secondMortgageTermYears, extraMonthlyPrincipal |
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 max price, max mortgage, CMHC premium, monthly payment, and the GDS/TDS ratios. params: annualIncome*, downPayment*, coApplicantIncome, downPaymentMode, monthlyDebts, annualPropertyTax, monthlyHeating, propertyType, condoFees, province, interestRatePct, amortizationYears |
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. params: purchasePrice*, monthlyGrossRent*, annualOperatingExpenses*, downPayment*, interestRatePct, amortizationYears, vacancyRatePct, city, propertyType |
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% business income, no capital gains treatment) and shows the tax saving from waiting past the 12-month line. params: purchasePrice*, afterRepairValue*, renovationCost*, province, city, contingencyPct, holdingPeriodMonths, monthlyHoldingCosts, realtorCommissionPct, closingCostsBuy, closingCostsSell, marginalTaxRatePct, isFirstTimeBuyer |
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