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Income TaxIndividual
HUF vs Individual — Tax Split Comparison
Model how diverting non-salary income (rent, business, capital gains) to a HUF can lower household tax via a separate basic exemption + slab.
Your inputs
₹30,00,000
₹
Rent, capital gains, business profits — income that can legitimately flow to a HUF.
₹10,00,000
₹
Must be backed by a HUF asset (gifted corpus, ancestral property, etc.).
Result
- Tax — all income to you
- ₹4,99,200
- Tax — you (after split)
- ₹2,08,000
- Tax — HUF
- ₹0
- Combined (split path)
- ₹2,08,000
- Saving by routing through HUF
- ₹2,91,200
Reviewed by CA team
Estimates only — rules change frequently. Please verify with a CA before you file, invest, or sign anything.
Assumptions
- Tax computed under the new regime for both entities (most cases optimal post-FY24).
- Doesn't model surcharge thresholds (₹50L/₹1cr/₹2cr/₹5cr) which can flip the answer at high incomes.
- Assumes the diverted income is legally HUF income — get a CA's view before structuring.
Tax outgo: solo vs split
How this is calculated
Reviewed by CA teamSolo tax = NewRegimeTax(total income) Split tax = NewRegimeTax(total − split) + NewRegimeTax(split) Saving = Solo − Split Both individual and HUF get their own ₹3L (new) / ₹2.5L (old) basic exemption and slab.
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Income Tax Return Filing
End-to-end ITR preparation, review and filing for salaried, business, capital gains and NRI cases.
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