Home Loan Tax Regime Comparison Calculator
Compare the estimated income-tax impact of choosing the Old vs New Tax Regime for a self-occupied home loan.
Your Income & Home Loan
Enter taxable income after applicable salary/business adjustments, but before the home-loan deductions being tested.
Examples can include EPF, eligible life insurance or tuition fees. The 80C combined limit is ₹1.50 lakh.
Use this for eligible deductions outside the home-loan principal/interest calculation.
This calculator focuses on self-occupied property. Let-out property taxation has additional rules and is not modeled here.
Tax Regime Assumptions
Assessment Year2026–27
Old regime — Section 24(b)Up to ₹2,00,000*
Old regime — Section 80CUp to ₹1,50,000 combined*
New regime — self-occupied interestNot allowed*
New regime — home-loan principal under 80CNot allowed*
Health & Education Cess4%
*Subject to the conditions of the Income-tax Act. This is an indicative comparison, not a tax-return computation.
Old Tax RegimeHOME LOAN BENEFITS
Estimated tax after modeled deductions
₹0
Interest deduction used₹0
Principal deduction used₹0
Total modeled deductions₹0
Taxable income after deductions₹0
New Tax RegimeLOWER DEDUCTIONS
Estimated tax with home-loan deductions not claimed
₹0
Home-loan interest deduction₹0
Home-loan principal under 80C₹0
Taxable income used₹0
Result
Enter your details to compare the regimes.
₹0
Estimated annual tax advantage of the lower-tax regime
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Important: This calculator uses the AY 2026–27 individual tax slabs and selected home-loan deductions for an indicative comparison. It assumes ordinary slab-rate income, excludes surcharge and special-rate income, and does not model every deduction, exemption, rebate condition, property-income rule, or lender/tax filing scenario. Always verify your final tax position with the current Income-tax Department rules or a qualified tax professional.