Home Loan Tax Benefit CalculatorFY 2026-27
Calculate your exact annual tax savings under Section 24(b) and Section 80C, and discover your true effective home loan interest rate.
Quick Summary: Home Loan Tax Benefit Calculator
Home loans offer two major tax shields in India: Section 24(b) for interest (up to ₹2L) and Section 80C for principal (up to ₹1.5L). In FY 2026-27, these benefits effectively reduce your 9% home loan to a ~6.3% post-tax cost if you are in the 30% slab under the Old Regime. Use this tool to find your 'Real Interest Rate'.
How to use the Home Loan Tax Benefit Calculator
- 1
Enter Annual Interest & Principal
Input the total amounts from your bank's interest certificate.
- 2
Select Tax Slab
Select your marginal tax rate (e.g., 20% or 30%).
- 3
Check Tax Shield
Review the absolute tax amount saved and the effective post-tax interest rate.
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Regulatory Disclaimer · FY 2026-27
Last verified May 2026
Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.
Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."
Consult a SEBI-registered IA or CA for personalised advice.
9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.