Optimize home-loan tax regime (calculator)

Compare a home-loan borrower's income tax under the OLD vs NEW regime (FY2026-27) and recommend which regime saves more income tax. Pure deterministic slab math

liveunknown~5s typical

mcpavnester—indian

$0.0020

per call

plus $0.001 platform fee per run

Open MCP server; Cracked bills routing only

Provider Upstream docs

$Set up https://cracked-ai-pearl.vercel.app/SKILL.md, then use Cracked to run mcp-com-avnester-mcp-property-intelligence /optimize_home_loan_tax_regime for me.

Input

Field	Type	Description
annualIncome*	integer	Annual gross income in INR EXCLUDING house property (salary + other income).
isSalaried	boolean	Whether the taxpayer is salaried (gets the standard deduction). default true
homeLoanInterest*	integer	Annual home-loan interest paid (INR).
homeLoanPrincipal*	integer	Annual home-loan principal repaid (INR) — counts toward 80C.
propertyType	string (self_occupied \| let_out)	Whether the property is self-occupied or let out. default "self_occupied"
annualRent	integer	Annual rent received in INR — required for let_out.
other80C	integer	Other 80C investments in INR (PF, ELSS, insurance, etc.).
otherOldRegimeDeductions	integer	Other OLD-regime-only deductions as a lump (HRA exemption, 80D, NPS 80CCD(1B), etc.).
jointLoan	boolean	Joint loan with a co-borrower — doubles the 80C/24b caps (equal-split assumption). default false
ageBand	string (below60 \| senior \| super_senior)	Taxpayer age band — raises the OLD-regime basic exemption (senior 60–80 → ₹3L, super-senio
residencyStatus	string (resident \| nri)	Default resident. Pass nri to get §195 TDS + LRS-cap math in the response.
countryOfResidence	string	NRI only — DTAA article lookup hint. Free-form country name.
saleValue	integer	NRI only — sale consideration in INR for §195 TDS computation.
holdingMonths	integer	NRI only — holding period in months. ≤24 is STCG; >24 is LTCG.
indexedCost	integer	NRI only — indexed cost of acquisition (LTCG). When omitted, TDS computed on full sale val
nroBalanceUsd	number	NRI only — NRO account balance in USD equivalent for the repatriation cap math.
ytdRemittedUsd	number	NRI only — FY-to-date USD already remitted under the $1M cap.
hasForm15CB	boolean	NRI only — whether Form 15CB CA-attestation is already in hand.

Call it

curl

curl https://cracked-ai-pearl.vercel.app/v1/run \
  -H "Authorization: Bearer ck_live_..." -H "content-type: application/json" \
  -d '{"provider":"mcp-com-avnester-mcp-property-intelligence","endpoint":"/optimize_home_loan_tax_regime","input":{"annualIncome":1,"isSalaried":true,"homeLoanInterest":1,"homeLoanPrincipal":1,"propertyType":"self_occupied","jointLoan":false}}'

cli

npx cracked-ai run -p mcp-com-avnester-mcp-property-intelligence -e /optimize_home_loan_tax_regime -i '{"annualIncome":1,"isSalaried":true,"homeLoanInterest":1,"homeLoanPrincipal":1,"propertyType":"self_occupied","jointLoan":false}'

mcp

run_tool({ provider: "mcp-com-avnester-mcp-property-intelligence", endpoint: "/optimize_home_loan_tax_regime", input: {"annualIncome":1,"isSalaried":true,"homeLoanInterest":1,"homeLoanPrincipal":1,"propertyType":"self_occupied","jointLoan":false} })

Try it

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