Home Loan Tax Benefit Calculator
A home loan can cut your income tax — mostly under the old regime. Enter your annual interest and principal to see an indicative saving under Sections 80C, 24(b) and 80EEA.
On Rs 3,20,000 of deductions at 30% (incl. ~4% cess).
Indicative only — not tax advice. Deduction limits, the 80EEA window and old-vs-new-regime rules change from year to year, and let-out interest has an overall house-property loss set-off cap. Your actual benefit depends on your full return — always confirm with a chartered accountant before you rely on it.
Related Guides — Deep-dive reading
Home Loan Tax Benefits - Section 80C and 24(b) in India (2026)
How a home-loan borrower may claim income-tax deductions on principal, interest, stamp duty and first-time-buyer benefits - explained in plain language, with the limits and regime rules that keep changing left for your CA to confirm.
Home FinanceHome Loan Prepayment and Foreclosure in India: A Plain Guide (2026)
How paying extra into your home loan works - part-prepayment versus full foreclosure, whether to cut your EMI or your tenure, why prepaying early saves the most, and the honest trade-off against investing the money instead.
Home FinanceHome Loan Eligibility Explained: How Much Loan Can You Get in India (2026)
A plain-language explainer of home loan eligibility in India - how income and the FOIR or EMI-to-income rule, your age and tenure, credit score, existing debts, employment type, a co-applicant, property value and LTV all decide how much a lender will sanction - with an indicative illustration table and ways to improve your number.
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The interest and tenure saved by a lump-sum prepayment - and whether to reduce the tenure or the EMI.
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An illustrative net-present-value estimate of a credit-linked interest subsidy on a home loan. Verify the current scheme officially.
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