HUF Tax Calculator
An HUF is a separate taxpayer with its own slabs and its own ₹1.25 lakh equity gains exemption. See what your HUF owes for FY 2026-27, which regime suits it, and how much it saves compared with earning the same income in your name.
Slab-wise (normal income)
New to HUFs? Read HUF explained: a second tax slab for your family.
How HUF tax works
Same slabs, fewer breaks. An HUF pays tax on the same slabs as an individual (nil up to ₹4 lakh in the new regime, ₹2.5 lakh in the old), but it gets no rebate. So unlike an individual, an HUF with ₹12 lakh of income does pay tax. It also has no standard deduction, because it has no salary.
Its own exemptions. The HUF gets its own ₹1.25 lakh yearly exemption on long-term equity gains. If its normal income is below the basic exemption, the unused amount also absorbs capital gains, which is often where the biggest savings come from.
Choosing a regime. An HUF without business income can pick the regime each year when filing. The old regime only helps if it claims meaningful deductions such as 80C and 80D for members.
The catch. Income on money that a member gifts to the HUF is clubbed back with that member. The savings shown here only apply to income on genuine HUF assets: ancestral property, gifts from non-member relatives and gifts at marriage.
Simplified estimate for FY 2026-27: ignores surcharge marginal relief, indexation cases, non-equity capital gains and loss set-offs. Check with a CA before filing.