HomeCalc MCP

A free, read-only Model Context Protocol server that allows AI assistants to run HomeCalc.ca's Canadian mortgage, tax, and land-transfer calculators directly within a conversation. It uses verified math, requires no account or API key, and stores only anonymous usage statistics.

Endpoint and access

No sign-in: your client connects and lists tools immediately, with no account or key.

No sign-inEndpoint checked 2026-10-18Operated by HomeCalc.ca

MCP endpoint (Streamable HTTP)

https://homecalc.ca/api/mcp

Vendor documentation

What you can do with it

Calculate mortgage payments and affordability
Determine land transfer tax for all 13 Canadian provinces
Estimate federal and provincial income tax
Check minimum down payment and CMHC insurance eligibility

Tools advertised by the last live check:

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

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers a Streamable HTTP server. Use --scope project to write .mcp.json for the repo.

Claude Code configuration

claude mcp add --transport http homecalc-mcp https://homecalc.ca/api/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).

Codex configuration

codex mcp add homecalc-mcp --url https://homecalc.ca/api/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable homecalc-mcp in your MCP settings.

Cursor configuration

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

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure). The type must be streamableHttp for a remote HTTP server.

Cline configuration

{
  "mcpServers": {
    "homecalc-mcp": {
      "type": "streamableHttp",
      "url": "https://homecalc.ca/api/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start homecalc-mcp and inspect its tools.

VS Code configuration

{
  "servers": {
    "homecalc-mcp": {
      "type": "http",
      "url": "https://homecalc.ca/api/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.

Gemini CLI configuration

gemini mcp add --transport http homecalc-mcp https://homecalc.ca/api/mcp

Claude Desktop

Merge this into claude_desktop_config.json (macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\), then restart Claude Desktop.

Claude Desktop configuration

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

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.

Windsurf configuration

{
  "mcpServers": {
    "homecalc-mcp": {
      "serverUrl": "https://homecalc.ca/api/mcp"
    }
  }
}

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