Homes Loan Calculator MCP

A remote MCP server providing home loan calculation capabilities including EMI, eligibility, affordability, balance transfer, down payment, and rent-vs-buy analysis for users in India.

Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

Community listingStreamable HTTPNo sign-inEndpoint checked 2026-11-01Published by Homes Loan Calculator

MCP endpoint (Streamable HTTP)

https://homesloancalculator.in/mcp

Vendor documentation

What you can do with it

Calculate monthly EMI and total interest for a home loan
Determine maximum home loan eligibility based on income
Compare the financial outcome of renting versus buying a home
Analyze savings from transferring an existing home loan to a lower rate

Source and maintenance

Community listingRegistry 1.0.0

mcp-registry: io.github.SirCharan/homes-loan-calculator@1.0.0 Project website

Protocol and capabilities

Server: homes-loan-calculator 1.0.0
MCP protocol: 2025-06-18
Tools: 6 advertised
Resources: Not advertised
Resource templates: Not advertised
Prompts: Not advertised

Server-advertised capabilities

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

Tools

6 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
    }
  }
}

rentVsBuy

Advertised by the server during the last successful anonymous check.

Takes rent, price, down payment, loan terms and growth assumptions and returns the year-by-year net worth of buying against renting, with the break-even year. Example input: {"rent":30000,"rentGrowth":5,"price":8000000,"downPayment":1600000,"annualRate":8.5,"months":240,"appreciation":5,"investReturn":10,"years":20}

rentVsBuy input schema

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "rent",
    "rentGrowth",
    "price",
    "downPayment",
    "annualRate",
    "months",
    "appreciation",
    "investReturn",
    "years"
  ],
  "properties": {
    "rent": {
      "type": "number",
      "minimum": 0,
      "description": "Current monthly rent in rupees"
    },
    "price": {
      "type": "number",
      "description": "Property price in rupees",
      "exclusiveMinimum": 0
    },
    "years": {
      "type": "integer",
      "maximum": 40,
      "minimum": 1,
      "description": "Years to compare over"
    },
    "months": {
      "type": "integer",
      "maximum": 480,
      "minimum": 6,
      "description": "Loan tenure in months"
    },
    "annualRate": {
      "type": "number",
      "maximum": 30,
      "minimum": 0.1,
      "description": "Annual interest rate in percent, for example 8.5"
    },
    "rentGrowth": {
      "type": "number",
      "maximum": 30,
      "minimum": 0,
      "description": "Yearly rent increase in percent"
    },
    "downPayment": {
      "type": "number",
      "minimum": 0,
      "description": "Down payment in rupees"
    },
    "appreciation": {
      "type": "number",
      "maximum": 30,
      "minimum": -20,
      "description": "Yearly property price growth in percent"
    },
    "investReturn": {
      "type": "number",
      "maximum": 40,
      "minimum": 0,
      "description": "Yearly return in percent if the down payment is invested instead"
    }
  }
}

balanceTransfer

Advertised by the server during the last successful anonymous check.

Takes the outstanding balance, months left, current and new rates and a fee and returns both EMIs, the net saving and the break-even months of a balance transfer. Example input: {"outstanding":4000000,"remainingMonths":180,"currentRate":9.25,"newRate":8.4,"processingFee":20000}

balanceTransfer input schema

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "outstanding",
    "remainingMonths",
    "currentRate",
    "newRate"
  ],
  "properties": {
    "newRate": {
      "type": "number",
      "maximum": 30,
      "minimum": 0.1,
      "description": "New lender annual rate in percent"
    },
    "currentRate": {
      "type": "number",
      "maximum": 30,
      "minimum": 0.1,
      "description": "Current annual rate in percent"
    },
    "outstanding": {
      "type": "number",
      "description": "Outstanding loan balance in rupees",
      "exclusiveMinimum": 0
    },
    "processingFee": {
      "type": "number",
      "minimum": 0,
      "description": "One-time transfer fee in rupees (default 0)"
    },
    "remainingMonths": {
      "type": "integer",
      "maximum": 480,
      "minimum": 1,
      "description": "Months left on the current loan"
    }
  }
}

downPayment

Advertised by the server during the last successful anonymous check.

Takes a property price and returns the loan-to-value ratio, maximum loan, minimum down payment and approximate stamp duty plus registration. Example input: {"price":7500000}

downPayment input schema

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "price"
  ],
  "properties": {
    "price": {
      "type": "number",
      "description": "Property price in rupees",
      "exclusiveMinimum": 0
    }
  }
}

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: 1142 ms
95th percentile latency: 1142 ms

Maintenance history

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

Nov 1, 2026, 7:47 AM UTC · probe · passed · 1142 ms · metadata changed · 6 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 homes-loan-calculator-mcp https://homesloancalculator.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 homes-loan-calculator-mcp --url https://homesloancalculator.in/mcp

Cursor

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

Cursor configuration

{
  "mcpServers": {
    "homes-loan-calculator-mcp": {
      "url": "https://homesloancalculator.in/mcp"
    }
  }
}

Cline

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

Cline configuration

{
  "mcpServers": {
    "homes-loan-calculator-mcp": {
      "type": "streamableHttp",
      "url": "https://homesloancalculator.in/mcp",
      "disabled": false
    }
  }
}

VS Code

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

VS Code configuration

{
  "servers": {
    "homes-loan-calculator-mcp": {
      "type": "http",
      "url": "https://homesloancalculator.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 homes-loan-calculator-mcp https://homesloancalculator.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": {
    "homes-loan-calculator-mcp": {
      "url": "https://homesloancalculator.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": {
    "homes-loan-calculator-mcp": {
      "serverUrl": "https://homesloancalculator.in/mcp"
    }
  }
}

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