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Estimate how much home loan you are eligible for.
We'll instantly compare both tax regimes and show which saves you more.
Indicative result — final figures may differ based on specific facts.
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Fill in the form on the left and we'll compute your numbers instantly.
Indicative results — final figures may differ based on specific facts and recent amendments. Contact us for a tailored review.
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Step by step
Fill in the fields with your actual numbers. Sensible defaults are provided.
Detailed methodology
The exact formula, statutory references and edge-cases used to compute your result. Click any card to see the relevant sub-section of the Income Tax Act, 1961.
FOIR is the standard lender metric — 50% of net monthly income is the maximum allowed for all loan EMIs combined. Eligible EMI for the new home loan = 50% of net income − existing EMI obligations.
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The result is computed instantly using current rates and standard formulas.
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Want the math? See Detailed methodology further down this page.
What we assume
What these numbers can and can't tell you.
Percentages, slabs, and the FY 2025-26 numbers we use.
Sections, eligibility, and stacking rules.
Heads up. For situations involving international income, business income, or capital gains, always cross-check with a qualified Chartered Accountant before acting on these numbers.
SBI, Bank of Baroda, PNB: 50–55% FOIR. HDFC Ltd, ICICI Bank: 50–60% for salaried. LIC Housing Finance: 45–55%. NBFCs (Bajaj, Tata Capital): up to 55–65% but at higher interest rates.
For salaried: take-home salary + deductions (PF, professional tax, EMI of existing loans). For self-employed: average of last 2–3 years' ITR + current year projections + bank statement average balance.
RBI guidelines: LTV (Loan to Value) cap of 90% for loans up to ₹30L, 80% for ₹30L–₹75L, 75% for ₹75L–₹2Cr, 75% above ₹2Cr (revised framework under RBI Master Direction on Housing Finance). Down payment must cover the remainder.
Adding spouse or parents as co-applicants increases eligible loan amount — combined income is considered. Property can be owned jointly; co-applicant also gets Section 80C benefit on principal repayment and Section 24(b) on interest.
Every situation has nuances this calculator can't model. Schedule a 15-minute call and we'll walk you through what the numbers mean for your case.
Compare old and new tax regime for FY 2025-26 (AY 2026-27). See which saves you more.
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