Home Loans Calculator MCP

A remote MCP server that provides tools for calculating home loan EMIs, sensitivity analysis, loan eligibility, stamp duty, and income tax benefits for India.

Endpoint and access

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Community listingStreamable HTTPNo sign-inEndpoint checked 2026-11-01Published by SirCharan

MCP endpoint (Streamable HTTP)

https://homeloanscalculator.in/mcp

Vendor documentation

What you can do with it

Calculate monthly EMI and amortization schedules
Determine loan eligibility based on income
Compute stamp duty by state
Estimate income tax benefits

Source and maintenance

Community listingRegistry 1.0.0

mcp-registry: io.github.SirCharan/homeloanscalculator@1.0.0 Project website

Protocol and capabilities

Server: homeloanscalculator 1.0.0
MCP protocol: 2025-06-18
Tools: 5 advertised
Resources: Not advertised
Resource templates: Not advertised
Prompts: Not advertised

Server-advertised capabilities

{
  "tools": {
    "listChanged": true
  }
}

Tools

5 advertised

emi

Advertised by the server during the last successful anonymous check.

Takes a loan amount, annual rate and tenure, plus optional prepayments or a rate change, and returns the monthly EMI, total interest and year-by-year schedule for an Indian home loan. Example input: {"principal":5000000,"annualRate":8.5,"years":20}

emi input schema

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "principal",
    "annualRate"
  ],
  "properties": {
    "mode": {
      "enum": [
        "reduceTenure",
        "reduceEMI"
      ],
      "type": "string",
      "description": "What prepayment shortens: reduceTenure (default) or reduceEMI"
    },
    "years": {
      "type": "number",
      "maximum": 40,
      "minimum": 0.5,
      "description": "Loan tenure in years (0.5 to 40). Give months or years."
    },
    "months": {
      "type": "integer",
      "maximum": 480,
      "minimum": 6,
      "description": "Loan tenure in months (6 to 480). Give months or years."
    },
    "monthly": {
      "type": "boolean",
      "description": "Set true to include the month-by-month schedule in the result"
    },
    "lumpSums": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "month",
          "amount"
        ],
        "properties": {
          "month": {
            "type": "integer",
            "maximum": 9007199254740991,
            "minimum": 1
          },
          "amount": {
            "type": "number",
            "exclusiveMinimum": 0
          }
        }
      },
      "description": "One-time prepayments as a list of { month, amount }, or a string like \"12:100000,24:50000\""
    },
    "principal": {
      "type": "number",
      "maximum": 1000000000,
      "minimum": 100000,
      "description": "Loan amount in rupees"
    },
    "rateReset": {
      "type": "object",
      "required": [
        "afterMonth",
        "newRate"
      ],
      "properties": {
        "mode": {
          "enum": [
            "reduceTenure",
            "reduceEMI"
          ],
          "type": "string",
          "description": "reduceTenure (default) or reduceEMI"
        },
        "newRate": {
          "type": "number",
          "maximum": 30,
          "minimum": 0.1,
          "description": "New annual rate in percent"
        },
        "afterMonth": {
          "type": "integer",
          "maximum": 9007199254740991,
          "minimum": 1,
          "description": "Month after which the new rate applies"
        }
      },
      "description": "A floating-rate change part-way through the loan"
    },
    "annualRate": {
      "type": "number",
      "maximum": 30,
      "minimum": 0.1,
      "description": "Annual interest rate in percent, for example 8.5"
    },
    "extraMonthly": {
      "type": "number",
      "minimum": 0,
      "description": "Extra rupees prepaid every month"
    }
  }
}

sensitivity

Advertised by the server during the last successful anonymous check.

Takes a loan amount, annual rate and tenure and returns how the EMI and total interest change when the rate moves up or down by small steps. Example input: {"principal":5000000,"annualRate":8.5,"years":20}

sensitivity input schema

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "principal",
    "annualRate"
  ],
  "properties": {
    "years": {
      "type": "number",
      "maximum": 40,
      "minimum": 0.5,
      "description": "Loan tenure in years (0.5 to 40). Give months or years."
    },
    "deltas": {
      "type": "array",
      "items": {
        "type": "number"
      },
      "description": "Rate changes in percentage points to test, for example [-1, -0.5, 0.5, 1]"
    },
    "months": {
      "type": "integer",
      "maximum": 480,
      "minimum": 6,
      "description": "Loan tenure in months (6 to 480). Give months or years."
    },
    "principal": {
      "type": "number",
      "maximum": 1000000000,
      "minimum": 100000,
      "description": "Loan amount in rupees"
    },
    "annualRate": {
      "type": "number",
      "maximum": 30,
      "minimum": 0.1,
      "description": "Annual interest rate in percent, for example 8.5"
    }
  }
}

eligibility

Advertised by the server during the last successful anonymous check.

Takes net monthly income, existing EMIs, annual rate and tenure and returns the maximum EMI and home loan amount a borrower qualifies for. Example input: {"netMonthlyIncome":150000,"existingEmis":10000,"annualRate":8.5,"years":20}

eligibility input schema

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "netMonthlyIncome",
    "annualRate"
  ],
  "properties": {
    "foir": {
      "type": "number",
      "maximum": 1,
      "minimum": 0.1,
      "description": "Share of income a bank lets all EMIs take, 0.1 to 1 (default 0.5)"
    },
    "years": {
      "type": "number",
      "maximum": 40,
      "minimum": 0.5,
      "description": "Loan tenure in years (0.5 to 40). Give months or years."
    },
    "months": {
      "type": "integer",
      "maximum": 480,
      "minimum": 6,
      "description": "Loan tenure in months (6 to 480). Give months or years."
    },
    "annualRate": {
      "type": "number",
      "maximum": 30,
      "minimum": 0.1,
      "description": "Annual interest rate in percent, for example 8.5"
    },
    "existingEmis": {
      "type": "number",
      "minimum": 0,
      "description": "Total EMIs already paid each month in rupees (default 0)"
    },
    "netMonthlyIncome": {
      "type": "number",
      "description": "Net monthly take-home income in rupees",
      "exclusiveMinimum": 0
    }
  }
}

stampDuty

Advertised by the server during the last successful anonymous check.

Takes a property value, buyer gender and a state rate row and returns the stamp duty, registration fee, cess and total for a property purchase. Example input: {"propertyValue":8000000,"gender":"female","state":"maharashtra"}

stampDuty input schema

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "propertyValue",
    "state"
  ],
  "properties": {
    "state": {
      "type": "string",
      "description": "State slug: maharashtra, karnataka, delhi, tamil-nadu, telangana, uttar-pradesh, gujarat, west-bengal, haryana, rajasthan"
    },
    "gender": {
      "enum": [
        "male",
        "female"
      ],
      "type": "string",
      "description": "Buyer gender; women may get a lower rate in some states"
    },
    "propertyValue": {
      "type": "number",
      "description": "Property value in rupees",
      "exclusiveMinimum": 0
    }
  }
}

taxBenefit

Advertised by the server during the last successful anonymous check.

Takes a loan amount, annual rate, tenure and tax slab and returns the Section 80C and 24(b) deductions and the tax saved in a given repayment year. Example input: {"principal":5000000,"annualRate":8.5,"years":20,"slabRate":0.3}

taxBenefit input schema

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "principal",
    "annualRate",
    "slabRate"
  ],
  "properties": {
    "year": {
      "type": "integer",
      "maximum": 9007199254740991,
      "minimum": 1,
      "description": "Repayment year to compute for (default 1)"
    },
    "years": {
      "type": "number",
      "maximum": 40,
      "minimum": 0.5,
      "description": "Loan tenure in years (0.5 to 40). Give months or years."
    },
    "months": {
      "type": "integer",
      "maximum": 480,
      "minimum": 6,
      "description": "Loan tenure in months (6 to 480). Give months or years."
    },
    "slabRate": {
      "type": "number",
      "maximum": 0.3,
      "minimum": 0,
      "description": "Income tax slab rate as a fraction, for example 0.3"
    },
    "principal": {
      "type": "number",
      "maximum": 1000000000,
      "minimum": 100000,
      "description": "Loan amount in rupees"
    },
    "annualRate": {
      "type": "number",
      "maximum": 30,
      "minimum": 0.1,
      "description": "Annual interest rate in percent, for example 8.5"
    }
  }
}

Prompts

Not advertised

No prompt definitions available.

Resources

Not advertised

No resource definitions available.

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks: 1 of 1 (100%)
Average latency: 576 ms
95th percentile latency: 576 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

Nov 1, 2026, 7:47 AM UTC · probe · passed · 576 ms · metadata changed · 5 tool(s)

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.

Claude Code configuration

claude mcp add --transport http home-loans-calculator-mcp https://homeloanscalculator.in/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).

Codex configuration

codex mcp add home-loans-calculator-mcp --url https://homeloanscalculator.in/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable home-loans-calculator-mcp in your MCP settings.

Cursor configuration

{
  "mcpServers": {
    "home-loans-calculator-mcp": {
      "url": "https://homeloanscalculator.in/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).

Cline configuration

{
  "mcpServers": {
    "home-loans-calculator-mcp": {
      "type": "streamableHttp",
      "url": "https://homeloanscalculator.in/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start home-loans-calculator-mcp and inspect its tools.

VS Code configuration

{
  "servers": {
    "home-loans-calculator-mcp": {
      "type": "http",
      "url": "https://homeloanscalculator.in/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.

Gemini CLI configuration

gemini mcp add --transport http home-loans-calculator-mcp https://homeloanscalculator.in/mcp

Claude Desktop

Merge this into claude_desktop_config.json (macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\), then restart Claude Desktop.

Claude Desktop configuration

{
  "mcpServers": {
    "home-loans-calculator-mcp": {
      "url": "https://homeloanscalculator.in/mcp"
    }
  }
}

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.

Windsurf configuration

{
  "mcpServers": {
    "home-loans-calculator-mcp": {
      "serverUrl": "https://homeloanscalculator.in/mcp"
    }
  }
}

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