ca.homecalc/calculators

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Méthode : MCP Hub analyse la description de chaque outil (couche 1) et, pour le verdict fort, exécute le serveur dans une micro-VM isolée avec leurres et réseau bloqué (couche 2). On publie des noms et des compteurs, jamais le contenu brut renvoyé par un outil.

Les 12 outils

• bc_home_flipping_tax≈ 228 tokens

  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).

  Paramètres, retour & exemple (3)

  Paramètres

  • daysHeld · number · requis
    Number of days the property was owned before sale
  • taxableIncome · number · requis
    Proceeds minus cost to acquire minus cost to improve (may be negative)
  • isPrimaryResidence · boolean · optionnel
    Lived in it as a primary residence

  Exemple d'appel

  {"name": "bc_home_flipping_tax", "arguments": {"daysHeld": 1, "taxableIncome": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• cap_rate≈ 510 tokens

  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.

  Paramètres, retour & exemple (9)

  Paramètres

  • city · string · optionnel · toronto | vancouver | calgary | edmonton | ottawa | montreal | halifax | winnipeg
    City used for the cap-rate benchmark range
  • downPayment · number · requis
    Down payment in CAD. Set equal to purchasePrice for an all-cash purchase.
  • propertyType · string · optionnel · single-family | multi-unit | commercial | mixed-use
  • purchasePrice · number · requis
    Purchase price in CAD
  • vacancyRatePct · number · optionnel
    Vacancy allowance as a percent of gross rent
  • interestRatePct · number · optionnel
    Mortgage rate as a percent, e.g. 5.49
  • monthlyGrossRent · number · requis
    Total gross monthly rent across all units in CAD
  • amortizationYears · number · optionnel
  • annualOperatingExpenses · number · requis
    Total annual operating expenses in CAD (property tax, insurance, management, maintenance, landlord utilities) — excludes mortgage payments

  Exemple d'appel

  {"name": "cap_rate", "arguments": {"downPayment": 1, "purchasePrice": 1, "monthlyGrossRent": 1, "annualOperatingExpenses": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• capital_gains_tax≈ 848 tokens

  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.

  Paramètres, retour & exemple (19)

  Paramètres

  • isQSBC · boolean · optionnel
    Business only: qualified small business corporation shares (LCGE)
  • taxYear · number · optionnel
    Tax year of the disposition
  • province · string · optionnel · Ontario | British Columbia | Alberta | Quebec | Manitoba | Saskatchewan | Nova Scotia | New Brunswick
    Province/territory of residence
  • assetType · string · optionnel · real-estate | stocks | crypto | business | rental | other
  • landValue · number · optionnel
    Rental only: land portion of the sale price (splits land vs building gain)
  • salePrice · number · requis
    Gross sale proceeds in CAD
  • yearsOwned · number · optionnel
    Years the property was owned (principal-residence proration)
  • buyingCosts · number · optionnel
    Land transfer tax, legal fees, and other costs of acquiring
  • annualIncome · number · optionnel
    Your other annual income in CAD — the gain stacks on top of this
  • sellingCosts · number · optionnel
    Realtor commission, legal fees, and other costs of selling
  • taxpayerType · string · optionnel · individual | corporation | trust
  • capitalLosses · number · optionnel
    Prior/current capital losses available to offset the gain
  • lcgeRemaining · number · optionnel
    Remaining lifetime capital gains exemption room in CAD
  • purchasePrice · number · requis
    Original purchase price in CAD
  • yearsDesignated · number · optionnel
    Years designated as your principal residence
  • ccaClaimedToDate · number · optionnel
    Rental only: total CCA claimed to date
  • capitalImprovements · number · optionnel
    Capital improvements added to the adjusted cost base
  • isPrincipalResidence · boolean · optionnel
    Real estate only: claim the principal residence exemption
  • originalBuildingCost · number · optionnel
    Rental only: original building cost for CCA recapture

  Exemple d'appel

  {"name": "capital_gains_tax", "arguments": {"salePrice": 1, "purchasePrice": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• heloc_second_mortgage≈ 680 tokens

  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.

  Paramètres, retour & exemple (14)

  Paramètres

  • province · string · optionnel · Ontario | British Columbia | Alberta | Quebec | Manitoba | Saskatchewan | Nova Scotia | New Brunswick
  • homeValue · number · requis
    Current market value of the home in CAD
  • amountToBorrow · number · requis
    Amount you want to borrow in CAD
  • helocSpreadPct · number · optionnel
    Lender spread over prime as a percent, e.g. 0.5
  • purposeOfFunds · string · optionnel · Home Renovation | Debt Consolidation | Investment Property Down Payment | Education | Emergency Funds | Other
  • helocPrimeRatePct · number · optionnel
    Prime rate as a percent; defaults to the site's current prime
  • existingMonthlyDebts · number · optionnel
    Other monthly debt payments (car, cards, loans)
  • annualHouseholdIncome · number · requis
    Gross annual household income in CAD
  • extraMonthlyPrincipal · number · optionnel
    Optional extra principal paid monthly on the HELOC
  • secondMortgageRatePct · number · optionnel
    Second mortgage rate as a percent; defaults to the tier's typical rate
  • secondMortgageTermYears · number · optionnel
  • outstandingFirstMortgage · number · requis
    Balance remaining on the first mortgage in CAD
  • secondMortgageAmortYears · number · optionnel
  • secondMortgageLenderTier · string · optionnel · A | B | Private
    A = bank/credit union, B = trust/MIC, Private = individual investor

  Exemple d'appel

  {"name": "heloc_second_mortgage", "arguments": {"homeValue": 1, "amountToBorrow": 1, "annualHouseholdIncome": 1, "outstandingFirstMortgage": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• house_flipping≈ 682 tokens

  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.

  Paramètres, retour & exemple (13)

  Paramètres

  • city · string · optionnel
    City name — include 'Toronto' to add the Toronto municipal land transfer tax
  • province · string · optionnel · Ontario | British Columbia | Alberta | Quebec | Manitoba | Saskatchewan | Nova Scotia | New Brunswick
  • purchasePrice · number · requis
    Purchase price in CAD
  • contingencyPct · number · optionnel
    Renovation contingency as a percent of the renovation budget
  • renovationCost · number · requis
    Budgeted renovation cost in CAD, before contingency
  • closingCostsBuy · number · optionnel
    Legal and inspection costs on the purchase, excluding land transfer tax
  • afterRepairValue · number · requis
    Expected resale price after renovation (ARV) in CAD
  • closingCostsSell · number · optionnel
    Legal and staging costs on the sale, excluding commission
  • isFirstTimeBuyer · boolean · optionnel
    Eligible for the first-time buyer land transfer tax rebate
  • marginalTaxRatePct · number · optionnel
    Your combined marginal tax rate as a percent
  • holdingPeriodMonths · number · optionnel
    Months held from purchase to sale — under 12 triggers the CRA flipping rule
  • monthlyHoldingCosts · number · optionnel
    Monthly carrying costs: mortgage interest, property tax, insurance, utilities
  • realtorCommissionPct · number · optionnel
    Realtor commission on the sale as a percent of ARV

  Exemple d'appel

  {"name": "house_flipping", "arguments": {"purchasePrice": 1, "renovationCost": 1, "afterRepairValue": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• income_tax≈ 274 tokens

  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.

  Paramètres, retour & exemple (4)

  Paramètres

  • province · string · requis · Ontario | British Columbia | Alberta | Quebec | Manitoba | Saskatchewan | Nova Scotia | New Brunswick
    Province of residence
  • annualIncome · number · requis
    Gross annual employment income in CAD
  • employmentType · string · optionnel · employed | self_employed
  • rrspContribution · number · optionnel
    Annual RRSP contribution in CAD

  Exemple d'appel

  {"name": "income_tax", "arguments": {"province": "Ontario", "annualIncome": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• land_transfer_tax≈ 421 tokens

  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 mortgage registration fee is separate and not included.

  Paramètres, retour & exemple (5)

  Paramètres

  • price · number · requis
    Purchase price in CAD
  • province · string · requis · Ontario | British Columbia | Quebec | Alberta | Manitoba | Nova Scotia | New Brunswick | Saskatchewan
    Province or territory
  • inToronto · boolean · optionnel
    Ontario only: property is within the City of Toronto (adds the municipal LTT)
  • isFirstTimeBuyer · boolean · optionnel
  • quebecMunicipality · string · optionnel · montreal | other
    Quebec only: 'montreal' uses Montreal's welcome-tax brackets (the website's Quebec default); 'other' uses the provincial base schedule for municipalities without higher rates above $500,000

  Exemple d'appel

  {"name": "land_transfer_tax", "arguments": {"price": 1, "province": "Ontario"}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• minimum_down_payment≈ 172 tokens

  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.

  Paramètres, retour & exemple (1)

  Paramètres

  • homePrice · number · requis
    Purchase price in CAD, e.g. 800000

  Exemple d'appel

  {"name": "minimum_down_payment", "arguments": {"homePrice": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• mortgage_affordability≈ 543 tokens

  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.

  Paramètres, retour & exemple (12)

  Paramètres

  • province · string · optionnel
  • condoFees · number · optionnel
    Monthly condo fees — 50% counts toward GDS/TDS for condos
  • downPayment · number · requis
    Down payment — dollars, or a percent if downPaymentMode='percent'
  • annualIncome · number · requis
    Primary applicant gross annual income in CAD
  • monthlyDebts · number · optionnel
    Other monthly debt payments (car, cards, student loans)
  • propertyType · string · optionnel · single-family | condo | townhouse
  • monthlyHeating · number · optionnel
    Estimated monthly heating cost in CAD
  • downPaymentMode · string · optionnel · dollar | percent
  • interestRatePct · number · optionnel
    Contract mortgage rate as a percent, e.g. 4.79
  • amortizationYears · ? · optionnel
  • annualPropertyTax · number · optionnel
    Estimated annual property tax in CAD
  • coApplicantIncome · number · optionnel
    Co-applicant gross annual income in CAD (0 = none)

  Exemple d'appel

  {"name": "mortgage_affordability", "arguments": {"downPayment": 1, "annualIncome": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• mortgage_payment≈ 590 tokens

  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 — use loanAmount. Inventing a price changes the answer by several percent and attaches a CMHC premium the user does not owe.

  Paramètres, retour & exemple (10)

  Paramètres

  • province · string · optionnel
    Province name, used only for CMHC PST on the premium
  • rateType · string · optionnel · fixed | variable
  • homePrice · number · optionnel
    Purchase price in CAD, e.g. 650000. Use with downPayment. Omit if the user gave you the mortgage amount instead.
  • termYears · number · optionnel
  • loanAmount · number · optionnel
    The mortgage amount itself in CAD, when the user stated the loan rather than the purchase price. Mutually exclusive with homePrice. No CMHC premium is applied on this path — the amount is taken as the principal.
  • downPayment · number · optionnel
    Down payment amount in CAD (or percent if downPaymentType='percent'). Required when homePrice is used.
  • downPaymentType · string · optionnel · amount | percent
  • paymentFrequency · string · optionnel · monthly | semi-monthly | biweekly | accelerated-biweekly | weekly | accelerated-weekly
  • amortizationYears · number · optionnel
    Amortization in years (max 25 insured, 30 uninsured/first-time new builds)
  • annualInterestRatePct · number · requis
    Annual interest rate as a percent, e.g. 5.25

  Exemple d'appel

  {"name": "mortgage_payment", "arguments": {"annualInterestRatePct": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• mortgage_penalty≈ 637 tokens

  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 the answer can be several times too low or too high — the response reports exactly which values were assumed in `assumedInputs`. Always surface those assumptions to the user and tell them to confirm the real figures with their lender.

  Paramètres, retour & exemple (8)

  Paramètres

  • balance · number · requis
    Outstanding mortgage balance in CAD
  • rateType · string · optionnel · fixed | variable
  • lenderMethod · string · optionnel · big-bank | monoline
    Big banks use the posted-rate IRD, monolines use actual rates. Which is larger depends on the gap between the discount originally received and today's posted rate — it is NOT always the big bank.
  • contractRatePct · number · requis
    Your contract rate as a percent, e.g. 5.25
  • monthsRemaining · number · requis
    Months remaining in the term
  • postedAtOriginationPct · number · optionnel
    Big-bank method: posted (not discounted) rate when you signed, from your mortgage documents. HIGH IMPACT — this single value can change the penalty several-fold. Omit if unknown and the reply will say it was assumed.
  • todaysPostedForClosestTermPct · number · optionnel
    Big-bank method: your lender's posted rate today for the closest term. Omit if unknown and the reply will say it was assumed.
  • currentRateForRemainingTermPct · number · optionnel
    Monoline method: today's rate for the remaining term (percent). Lender-specific — omit if unknown and the reply will say it was assumed.

  Exemple d'appel

  {"name": "mortgage_penalty", "arguments": {"balance": 1, "contractRatePct": 1, "monthsRemaining": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

• rent_increase≈ 216 tokens

  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.

  Paramètres, retour & exemple (3)

  Paramètres

  • year · string · requis
    Guideline year, e.g. '2026'. Use the rent_increase tool's supported years if unsure.
  • province · string · requis · Ontario | British Columbia | Manitoba
  • currentRent · number · requis
    Current monthly rent in CAD

  Exemple d'appel

  {"name": "rent_increase", "arguments": {"year": "texte", "province": "Ontario", "currentRent": 1}}

  Exemple de retour

  {"content": [{"type": "text", "text": "…"}]}

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Source

https://homecalc.ca/api/mcp