Homes Loan Calculator

io.github.SirCharanPublished by GitHub account SirCharanv1.0.0Updated Oct 30, 2026

Home loan EMI, affordability, balance transfer, down payment, rent vs buy calculators.

The publisher's own server: Calculator Tools MCP

VerifiedStreamable HTTPWeb executableFinanceData & Analytics

Overview

AI-generated overview

Remote MCP server offering Indian home loan calculators: EMI and amortization, rate sensitivity, eligibility, rent vs buy, balance transfer and down payment.

What you can do
  • Compute monthly EMI, total interest and a year-by-year repayment schedule, optionally with prepayments or a rate change
  • Compare EMI and total interest across small rate increases and decreases
  • Estimate maximum EMI and loan amount from net income and existing EMIs
  • Model rent versus buy net worth year by year and find the break-even year
  • Compare balance transfer EMIs, net saving and break-even months
  • Derive loan-to-value, maximum loan, minimum down payment and approximate stamp duty plus registration from a property price
When to use it
Useful when someone wants quick, consistent home loan numbers for Indian properties: planning a purchase, checking affordability, weighing a balance transfer, or comparing renting with buying.
Requirements
A remote streamable HTTP endpoint; no package, account, API key or environment variable is declared.
Before you install
Results are estimates from the inputs given, and the stamp duty and registration figures are approximate; verify against a lender or official source before acting on them. No authentication is declared, so avoid sending sensitive personal or financial details beyond the figures the tools need.

Installation

In SourceWeft

  1. Open Homes Loan Calculator in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/io.github.SirCharan%2Fhomes-loan-calculator/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

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

Tools

6

emi

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}

ParametersmodeyearsmonthsmonthlylumpSumsprincipalrequiredrateResetannualRaterequiredextraMonthly

sensitivity

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}

ParametersyearsdeltasmonthsprincipalrequiredannualRaterequired

eligibility

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}

ParametersfoiryearsmonthsannualRaterequiredexistingEmisnetMonthlyIncomerequired

rentVsBuy

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}

ParametersrentrequiredpricerequiredyearsrequiredmonthsrequiredannualRaterequiredrentGrowthrequireddownPaymentrequiredappreciationrequiredinvestReturnrequired

balanceTransfer

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}

ParametersnewRaterequiredcurrentRaterequiredoutstandingrequiredprocessingFeeremainingMonthsrequired

downPayment

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}

Parameterspricerequired

Version history

1
  1. v1.0.0LatestOct 30, 2026

Score

83% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listedRequired15 pts
  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts

    Declare a GitHub repository with a README, or serve resource_documentation in the OAuth protected-resource metadata.

  • LicenseNot applicable

    A hosted service is used under its provider's terms, so no license is expected here. This check is left out of the percentage.

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