optimize_home_loan_tax_regime

Old vs new income-tax regime (FY2026-27) for a home-loan borrower — which saves more, modelling §24(b) + §80C. Not tax advice.

Endpoint POST https://api.avnester.com/public/v1/optimize_home_loan_tax_regime

Parameters

The most-used parameters. Full schema in the OpenAPI document.

annualIncomenumberrequired: Annual gross income in INR, excluding house property.
homeLoanInterestnumberrequired: Annual home-loan interest paid (INR).
homeLoanPrincipalnumberrequired: Annual home-loan principal repaid (INR) — counts toward 80C.
isSalariedbooleanoptional: Salaried taxpayer (gets the standard deduction). Defaults to true.
propertyTypestringoptional: self_occupied · let_out.
jointLoanbooleanoptional: Joint loan — doubles the 80C/24b caps (equal-split).
ageBandstringoptional: below60 · senior (60–80) · super_senior (80+) — raises the OLD-regime basic exemption.

Worked example

# salaried ₹18L income, ₹2L interest + ₹1.5L principal, self-occupied

curl -X POST https://api.avnester.com/public/v1/optimize_home_loan_tax_regime \
  -H 'Content-Type: application/json' \
  -d '{
       "annualIncome": 1800000,
       "isSalaried": true,
       "homeLoanInterest": 200000,
       "homeLoanPrincipal": 150000,
       "propertyType": "self_occupied"
     }'

Response

{
  "old": { "taxableIncome": 1400000, "totalTax": 241800 },
  "new": { "taxableIncome": 1725000, "totalTax": 150800 },
  "recommended": "new",
  "annualSaving": 91000,
  "homeLoanTaxBenefitOld": 109200,
  "notModeled": ["Capital gains exemptions", "HRA interplay", "Surcharge above ₹50L"],
  "attribution": "AVnester",
  "disclaimer": "..."
}

Run this example in the playground

Rate limits

OAuth (Developer)

30 / min

The same ceiling applies to every tool on a given plan, on both the MCP and REST transports; every plan’s is on Pricing. OAuth registration is free and self-serve. Calls made without signing in have their own per-IP limits — see the quickstart.

Common errors

400Invalid request body
Check required parameters and types. The error.message field will name the offending parameter.
429Rate limit exceeded
Back off until the time in the Retry-After header. Signed in with OAuth, the per-tool limit is counted per user instead of per address; a paid plan raises it.
429Daily call limit reached (calls without signing in)
Retry-After counts to 00:00 UTC, and only calls that returned an answer count. Signed in, calls count against your plan instead of your IP address.

Next steps

→ Try optimize_home_loan_tax_regime in the playground (no signup)
→ Register an OAuth client (free on the Developer plan)
→ Browse the other 10 tools
→ Full schema in the OpenAPI spec