Turn your home loan
into ₹2L tax savings
— every single year.
Under Section 24 and 80C, your home loan principal and interest can save up to ₹2,00,000 in tax annually. We map every deduction to your bracket, year on year — so you build a home and a wealth stack simultaneously.
Home loan tax
AY 2025–26
Annual income
₹15.0L
Interest paid
₹2,40,000
Section 24
₹2,00,000
Section 80C principal
₹1,50,000
Why this works
Two deductions. One smart stack.
Section 24 covers interest, Section 80C covers principal — together they can erase ₹46,800+ of tax every year. Here's what we actually do.
Save tax (Section 24)
Claim up to ₹2,00,000/year on interest paid for self-occupied property.
Build wealth (Section 80C)
Principal repayment counts toward your ₹1,50,000 80C limit.
Year-round CA support
Tax planning, EMI review, and refiling support throughout the loan tenure.
Don’t prepay
Prepaying reduces your interest deduction. We model the breakeven before you act.
Your 20-year journey
Watch your property and your tax savings grow.
A ₹60L home today, appreciated at 9% per year, becomes a ₹3+ crore asset over two decades — while the annual tax saving sits quietly compounding alongside.
Assumes 9% property appreciation and 30% tax bracket. Your actual savings depend on bracket, loan terms, and occupancy type. —
Know before you buy
A moment away. To know the secret.
Plans & pricing
Pay once. Save year after year.
Two CMS-driven plans below. Pricing and feature lists are server-managed.
- A 20-year summary report highlighting the profitability of your home loan.
- 60 minutes of consultation with a Chartered Accountant to discuss the report and your queries.
- TaxOptimizer Report with tax-efficient components and compliance
- A Wealth Report to help you understand and plan your financial growth effectively.
- A 20-year summary report detailing your home loan's profitability.
- A customized report created after a detailed discussion with the Chartered Accountant.
- 180 minutes of one-on-one discussion with a Chartered Accountant to dive deeper into your finances
- TaxOptimizer Report with tax-efficient components and compliance , re-structuring the CTC
- A detailed Wealth Report to support your long-term financial planning.
- ITR filing support to ensure your income tax returns are accurately prepared and filed.
Senior CAs · home-loan specialistsMeet your home loan advisory team
Sudhir Kaushik & senior CAs
Co-founder, TaxSpanner · 18+ years · Featured on ET Now, Times of India, Economic Times
Most home buyers leave ₹40,000+ on the table every year by not stacking Section 24 with 80C correctly. We do the math, plan the EMI structure, and refile if your bracket changes.
Why we're different
Filing your home loan alone vs filing with TaxSpanner
The DIY home-loan trap
- Miss Section 24 cap optimization
- Forget pre-EMI interest amortization
- Ignore joint-owner deduction splitting
- Prepay without checking tax impact
- Year 1 deduction = whatever the bank says
Every deduction, every year
- CA-curated Section 24 + 80C stack
- Pre-EMI interest spread across 5 years
- Joint-owner split optimised across brackets
- Prepayment breakeven model before you act
- ITR filing for the full loan tenure
09 — Start saving
Your next home is also your biggest tax-saving asset.
From ₹5,499 — a full 20-year tax plan, CA-validated, with annual review built in.
Real homebuyers
Real loans. Real savings.
Gayatri
Home-loan filer
Booked an under-construction flat in 2021. Their CA mapped the pre-EMI interest correctly so I claimed full deduction from year 1 of possession. Saved ₹38,000 in the first year alone.
Manish
Home-loan filer
Was about to prepay ₹5L on my home loan. They ran a tax breakeven and showed me I'd lose ₹14,000 in deductions over the next 3 years. Held the prepayment, invested elsewhere.
Rahul
Home-loan filer
Joint loan with my wife. They split the interest deduction across both PANs based on our brackets — both maxed out Section 24. Stacked 80C from the principal too.
Trusted by 1 Million+ individuals and businesses in India