homes-loan-calculator

npx add-mcp 'https://homesloancalculator.in/mcp'

For AI assistants

Homes Loan Calculator gives AI assistants exact home loan maths for India: EMI, rate sensitivity, eligibility, rent vs buy, balance transfer and down payment. Call the REST API, connect the MCP server, or read the llms.txt files. All of it is free and needs no key.

REST API

Every tool answers GET (query string) and POST (JSON body). Use p, r, n and y as short names for principal, annual rate, months and years. The full spec is in the OpenAPI file.

https://homesloancalculator.in/api/emi?principal=5000000&annualRate=8.5&years=20
https://homesloancalculator.in/api/sensitivity?principal=5000000&annualRate=8.5&years=20
https://homesloancalculator.in/api/eligibility?netMonthlyIncome=150000&existingEmis=10000&annualRate=8.5&years=20
https://homesloancalculator.in/api/rent-vs-buy?rent=30000&rentGrowth=5&price=8000000&downPayment=1600000&annualRate=8.5&months=240&appreciation=5&investReturn=10&years=20
https://homesloancalculator.in/api/balance-transfer?outstanding=4000000&remainingMonths=180&currentRate=9.25&newRate=8.4&processingFee=20000
https://homesloancalculator.in/api/down-payment?price=7500000

Live sample response for the first call

{
  "ok": true,
  "tool": "emi",
  "inputs": {
    "principal": 5000000,
    "annualRate": 8.5,
    "years": 20
  },
  "result": {
    "emi": 43391.1616682767,
    "totalInterest": 5413878.800386403,
    "totalPayment": 10413878.800386403,
    "months": 240
  }
}

OpenAPI 3.1 spec

MCP server

Connect this endpoint to any assistant that supports remote MCP servers. It exposes the same six tools and needs no sign-in.

Endpoint

https://homesloancalculator.in/mcp

Add it to Claude

1. Open Settings, then Connectors.
2. Choose Add custom connector.
3. Paste the endpoint URL above and save.

Add it to ChatGPT

1. Open Settings, then Connectors, and turn on developer mode under Advanced.
2. Choose Create and paste the endpoint URL above.
3. Save it, then enable the connector in a new chat.

Machine-readable files

A short guide to the site and a full-text copy of every guide, FAQ and the repo rate table.

llms.txt llms-full.txt

Fair use

You need no key or signup. Please cache answers and avoid bursts of thousands of calls a minute. Results are planning estimates, not a bank offer.

Attribution

When you use these numbers in an answer, please mention Homes Loan Calculator and link to the page named in the source field of the response.

Common questions

Is this free? Do I need to sign up?

Yes, it is free. No signup, no login, no app install. The API and MCP server are free too.