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.

Name	Type	Required	Description
annualIncome	number	required	Annual gross income in INR, excluding house property.
homeLoanInterest	number	required	Annual home-loan interest paid (INR).
homeLoanPrincipal	number	required	Annual home-loan principal repaid (INR) — counts toward 80C.
isSalaried	boolean	optional	Salaried taxpayer (gets the standard deduction). Defaults to true.
propertyType	string	optional	self_occupied · let_out.
jointLoan	boolean	optional	Joint loan — doubles the 80C/24b caps (equal-split).
ageBand	string	optional	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": "..."
}

Rate limits

Anonymous

60/min

OAuth (Team)

600/min

Per-IP aggregate cap (across all tools): 60/min. OAuth registration lifts both the per-tool budget (10×) and removes the IP cap.

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; or authenticate with OAuth for the 10× tier.

Next steps

→ Try optimize_home_loan_tax_regime in the playground (no signup, anon tier)
→ Register an OAuth client (10× rate budget)
→ Browse the other 6 tools
→ Full schema in the OpenAPI spec