Home Loan Tax Benefit Calculator
FY2025-26Updated June 2026Estimate common old-regime home loan tax benefits from principal repayment and housing-loan interest.
Live Results
Estimated tax benefit
₹3,20,000
Old-regime deduction estimate.
Principal / 80C benefit
₹1,20,000
Capped within ₹1,50,000.
Interest benefit
₹2,00,000
Capped at ₹2,00,000.
Tax saving estimate
₹99,840
At 30% slab plus cess illustration.
Useful for old-regime planning. Property type and regime can change treatment.
Explanation
The calculator caps principal-related amounts under 80C and interest under a conservative self-occupied-property assumption.
Assumptions & trust
Educational estimate only
Form16.com calculators are independent educational tools. They are not legal, tax, or financial advice.
Last updated for FY2025-26. Verify final numbers with official records, employer payroll, or a qualified professional.
- Uses common caps: principal under 80C within ₹1,50,000 and self-occupied interest up to ₹2,00,000.
Needs professional review before relying on final tax decisions.
Tax Breakdown
How the result is built
Recommendations
What to keep in mind
FAQ
Calculator questions
Many old-regime deductions are restricted in the new regime. Compare regimes before relying on this benefit.
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