House Purchase vs.

Rent Decision
(Change only the cells highlighted in blue)
Purchase assumptions
Base price
Property type

5,000,000
new

(Enter new/old)

Loan%
Equity portion
Indirect taxes
Stamp duty
Registration
VAT
Service tax
Total indirect taxes

80%
1,000,000
5.00%
1.00%
1.00%
3.09%

250,000
50,000
50,000
154,500
504,500

Loan amount
Equity

4,240,000
1,264,500

17667

Annual rate
Tenure
Interest
Marginal tax rate
80C investments made per year

Property price Apprctn

Property terminal value

Periodic rate

240
10.5%
30%
50,000

20
0.84%

10.00%
33,637,500

0.83%

Purchase
Rent
11.8%

IRR

Month
0
1
2
3
4
5
6
7
8
9
10

Bg. Debt
EMI
4,240,000
4,240,000
4,234,435
4,228,824
4,223,166
4,217,461
4,211,708
4,205,907
4,200,057
4,194,159
4,188,211

9.6%

Interest
0
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991

0
35,426
35,379
35,332
35,285
35,238
35,189
35,141
35,092
35,043
34,993

11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55

4,182,214
4,176,167
4,170,069
4,163,920
4,157,719
4,151,467
4,145,163
4,138,806
4,132,396
4,125,932
4,119,414
4,112,842
4,106,215
4,099,533
4,092,794
4,086,000
4,079,148
4,072,240
4,065,273
4,058,249
4,051,166
4,044,023
4,036,821
4,029,559
4,022,236
4,014,852
4,007,406
3,999,898
3,992,328
3,984,694
3,976,996
3,969,234
3,961,407
3,953,514
3,945,556
3,937,531
3,929,440
3,921,280
3,913,052
3,904,756
3,896,390
3,887,955
3,879,449
3,870,872
3,862,223

40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991

34,943
34,893
34,842
34,790
34,738
34,686
34,633
34,580
34,527
34,473
34,418
34,363
34,308
34,252
34,196
34,139
34,082
34,024
33,966
33,907
33,848
33,788
33,728
33,668
33,606
33,545
33,483
33,420
33,357
33,293
33,228
33,164
33,098
33,032
32,966
32,899
32,831
32,763
32,694
32,625
32,555
32,484
32,413
32,342
32,269

56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100

3,853,502
3,844,708
3,835,841
3,826,899
3,817,883
3,808,792
3,799,624
3,790,380
3,781,059
3,771,660
3,762,182
3,752,625
3,742,988
3,733,271
3,723,473
3,713,592
3,703,629
3,693,583
3,683,453
3,673,238
3,662,938
3,652,552
3,642,080
3,631,519
3,620,871
3,610,133
3,599,306
3,588,388
3,577,379
3,566,278
3,555,084
3,543,797
3,532,416
3,520,939
3,509,366
3,497,697
3,485,930
3,474,065
3,462,101
3,450,037
3,437,872
3,425,606
3,413,237
3,400,764
3,388,188

40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991

32,197
32,123
32,049
31,974
31,899
31,823
31,746
31,669
31,591
31,513
31,434
31,354
31,273
31,192
31,110
31,028
30,944
30,860
30,776
30,690
30,604
30,518
30,430
30,342
30,253
30,163
30,073
29,982
29,890
29,797
29,703
29,609
29,514
29,418
29,321
29,224
29,125
29,026
28,926
28,826
28,724
28,621
28,518
28,414
28,309

101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145

3,375,506
3,362,718
3,349,824
3,336,822
3,323,711
3,310,491
3,297,160
3,283,717
3,270,163
3,256,495
3,242,713
3,228,816
3,214,803
3,200,672
3,186,424
3,172,057
3,157,569
3,142,961
3,128,230
3,113,376
3,098,399
3,083,296
3,068,067
3,052,710
3,037,226
3,021,612
3,005,867
2,989,991
2,973,982
2,957,840
2,941,563
2,925,149
2,908,599
2,891,910
2,875,082
2,858,113
2,841,003
2,823,749
2,806,352
2,788,809
2,771,119
2,753,282
2,735,295
2,717,159
2,698,870

40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991

28,203
28,096
27,988
27,880
27,770
27,660
27,548
27,436
27,323
27,209
27,093
26,977
26,860
26,742
26,623
26,503
26,382
26,260
26,137
26,013
25,888
25,761
25,634
25,506
25,376
25,246
25,114
24,982
24,848
24,713
24,577
24,440
24,302
24,162
24,022
23,880
23,737
23,593
23,448
23,301
23,153
23,004
22,854
22,702
22,549

146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190

2,680,429
2,661,834
2,643,084
2,624,177
2,605,112
2,585,887
2,566,502
2,546,955
2,527,245
2,507,370
2,487,329
2,467,120
2,446,743
2,426,195
2,405,476
2,384,584
2,363,517
2,342,274
2,320,853
2,299,254
2,277,474
2,255,512
2,233,367
2,211,037
2,188,520
2,165,815
2,142,920
2,119,834
2,096,555
2,073,081
2,049,412
2,025,544
2,001,478
1,977,210
1,952,739
1,928,064
1,903,183
1,878,094
1,852,795
1,827,285
1,801,561
1,775,623
1,749,468
1,723,095
1,696,501

40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991

22,395
22,240
22,083
21,925
21,766
21,605
21,444
21,280
21,116
20,949
20,782
20,613
20,443
20,271
20,098
19,924
19,748
19,570
19,391
19,211
19,029
18,845
18,660
18,474
18,285
18,096
17,904
17,712
17,517
17,321
17,123
16,924
16,723
16,520
16,315
16,109
15,901
15,692
15,480
15,267
15,052
14,836
14,617
14,397
14,175

191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235

1,669,685
1,642,645
1,615,379
1,587,885
1,560,162
1,532,207
1,504,018
1,475,594
1,446,932
1,418,031
1,388,889
1,359,502
1,329,871
1,299,991
1,269,863
1,239,482
1,208,848
1,177,957
1,146,809
1,115,400
1,083,729
1,051,793
1,019,590
987,119
954,376
921,359
888,067
854,496
820,645
786,511
752,092
717,385
682,389
647,100
611,516
575,635
539,454
502,970
466,182
429,087
391,681
353,963
315,930
277,579
238,908

40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991
40,991

13,950
13,725
13,497
13,267
13,035
12,802
12,566
12,329
12,089
11,848
11,604
11,359
11,111
10,862
10,610
10,356
10,100
9,842
9,582
9,319
9,055
8,788
8,519
8,248
7,974
7,698
7,420
7,139
6,857
6,571
6,284
5,994
5,701
5,407
5,109
4,810
4,507
4,202
3,895
3,585
3,273
2,957
2,640
2,319
1,996

236
237
238
239
240

199,914
160,594
120,945
80,965
40,651

Periodic
IRR

40,991
40,991
40,991
40,991
40,991

1,670
1,342
1,011
676
340
0

Purchase
Annualized
Periodic
0.94%
11.8%
0.77%

Rent

Rent assumption
Home equity portion saved
Yield on investment %
Rent cap rate
Starting rent
Nonrefundable Deposit
Broker fee
Rent escalation rate
Monthly Net salary
Annual salary growth%
Basic
HRA
DA

1,264,500
9.00%
3.0%
12,500
75,000
12,500
7.0%
65,000
11%
30%
15%
0%

Principal Rpmt
0
5,565
5,611
5,658
5,705
5,753
5,801
5,850
5,898
5,948
5,997

0.72%

Cl. Debt
Tax benefit u/s Equity CF
4,240,000
-1,264,500
4,234,435
-35,426
4,228,824
-35,379
4,223,166
-35,332
4,217,461
-35,285
4,211,708
-35,238
4,205,907
-35,189
4,200,057
-35,141
4,194,159
-35,092
4,188,211
-35,043
4,182,214
-34,993

6,047
6,098
6,149
6,200
6,252
6,304
6,357
6,410
6,464
6,518
6,572
6,627
6,682
6,738
6,795
6,851
6,909
6,966
7,025
7,083
7,142
7,202
7,262
7,323
7,384
7,446
7,508
7,571
7,634
7,698
7,762
7,827
7,892
7,958
8,025
8,092
8,159
8,228
8,296
8,366
8,436
8,506
8,577
8,649
8,721

4,176,167
4,170,069
4,163,920
4,157,719
4,151,467
4,145,163
4,138,806
4,132,396
4,125,932
4,119,414
4,112,842
4,106,215
4,099,533
4,092,794
4,086,000
4,079,148
4,072,240
4,065,273
4,058,249
4,051,166
4,044,023
4,036,821
4,029,559
4,022,236
4,014,852
4,007,406
3,999,898
3,992,328
3,984,694
3,976,996
3,969,234
3,961,407
3,953,514
3,945,556
3,937,531
3,929,440
3,921,280
3,913,052
3,904,756
3,896,390
3,887,955
3,879,449
3,870,872
3,862,223
3,853,502

60,000

60,000

60,000

60,000

-34,943
25,107
-34,842
-34,790
-34,738
-34,686
-34,633
-34,580
-34,527
-34,473
-34,418
-34,363
-34,308
25,748
-34,196
-34,139
-34,082
-34,024
-33,966
-33,907
-33,848
-33,788
-33,728
-33,668
-33,606
26,455
-33,483
-33,420
-33,357
-33,293
-33,228
-33,164
-33,098
-33,032
-32,966
-32,899
-32,831
27,237
-32,694
-32,625
-32,555
-32,484
-32,413
-32,342
-32,269

8,794
8,867
8,941
9,016
9,092
9,167
9,244
9,321
9,399
9,478
9,557
9,637
9,717
9,798
9,880
9,963
10,046
10,130
10,215
10,300
10,386
10,473
10,560
10,649
10,738
10,827
10,918
11,009
11,101
11,194
11,287
11,382
11,477
11,573
11,669
11,767
11,865
11,964
12,064
12,165
12,267
12,369
12,472
12,577
12,682

3,844,708
3,835,841
3,826,899
3,817,883
3,808,792
3,799,624
3,790,380
3,781,059
3,771,660
3,762,182
3,752,625
3,742,988
3,733,271
3,723,473
3,713,592
3,703,629
3,693,583
3,683,453
3,673,238
3,662,938
3,652,552
3,642,080
3,631,519
3,620,871
3,610,133
3,599,306
3,588,388
3,577,379
3,566,278
3,555,084
3,543,797
3,532,416
3,520,939
3,509,366
3,497,697
3,485,930
3,474,065
3,462,101
3,450,037
3,437,872
3,425,606
3,413,237
3,400,764
3,388,188
3,375,506

60,000

60,000

60,000

60,000

-32,197
-32,123
-32,049
-31,974
28,101
-31,823
-31,746
-31,669
-31,591
-31,513
-31,434
-31,354
-31,273
-31,192
-31,110
-31,028
29,056
-30,860
-30,776
-30,690
-30,604
-30,518
-30,430
-30,342
-30,253
-30,163
-30,073
-29,982
30,110
-29,797
-29,703
-29,609
-29,514
-29,418
-29,321
-29,224
-29,125
-29,026
-28,926
-28,826
31,276
-28,621
-28,518
-28,414
-28,309

12,788
12,894
13,002
13,111
13,220
13,331
13,442
13,555
13,668
13,782
13,897
14,013
14,130
14,248
14,367
14,487
14,609
14,731
14,854
14,978
15,103
15,229
15,356
15,485
15,614
15,744
15,876
16,009
16,142
16,277
16,413
16,550
16,689
16,828
16,969
17,111
17,253
17,398
17,543
17,690
17,837
17,986
18,137
18,288
18,441

3,362,718
3,349,824
3,336,822
3,323,711
3,310,491
3,297,160
3,283,717
3,270,163
3,256,495
3,242,713
3,228,816
3,214,803
3,200,672
3,186,424
3,172,057
3,157,569
3,142,961
3,128,230
3,113,376
3,098,399
3,083,296
3,068,067
3,052,710
3,037,226
3,021,612
3,005,867
2,989,991
2,973,982
2,957,840
2,941,563
2,925,149
2,908,599
2,891,910
2,875,082
2,858,113
2,841,003
2,823,749
2,806,352
2,788,809
2,771,119
2,753,282
2,735,295
2,717,159
2,698,870
2,680,429

60,000

60,000

60,000

60,000

-28,203
-28,096
-27,988
-27,880
-27,770
-27,660
-27,548
32,564
-27,323
-27,209
-27,093
-26,977
-26,860
-26,742
-26,623
-26,503
-26,382
-26,260
-26,137
33,987
-25,888
-25,761
-25,634
-25,506
-25,376
-25,246
-25,114
-24,982
-24,848
-24,713
-24,577
35,560
-24,302
-24,162
-24,022
-23,880
-23,737
-23,593
-23,448
-23,301
-23,153
-23,004
-22,854
37,298
-22,549

18,595
18,750
18,907
19,065
19,224
19,385
19,547
19,710
19,875
20,041
20,208
20,377
20,548
20,719
20,892
21,067
21,243
21,420
21,599
21,780
21,962
22,145
22,330
22,517
22,705
22,895
23,086
23,279
23,473
23,670
23,867
24,067
24,268
24,471
24,675
24,881
25,089
25,299
25,510
25,723
25,938
26,155
26,373
26,594
26,816

2,661,834
2,643,084
2,624,177
2,605,112
2,585,887
2,566,502
2,546,955
2,527,245
2,507,370
2,487,329
2,467,120
2,446,743
2,426,195
2,405,476
2,384,584
2,363,517
2,342,274
2,320,853
2,299,254
2,277,474
2,255,512
2,233,367
2,211,037
2,188,520
2,165,815
2,142,920
2,119,834
2,096,555
2,073,081
2,049,412
2,025,544
2,001,478
1,977,210
1,952,739
1,928,064
1,903,183
1,878,094
1,852,795
1,827,285
1,801,561
1,775,623
1,749,468
1,723,095
1,696,501
1,669,685

60,000

60,000

60,000

-22,395
-22,240
-22,083
-21,925
-21,766
-21,605
-21,444
-21,280
-21,116
-20,949
39,218
-20,613
-20,443
-20,271
-20,098
-19,924
-19,748
-19,570
-19,391
-19,211
-19,029
-18,845
41,340
-18,474
-18,285
-18,096
-17,904
-17,712
-17,517
-17,321
-17,123
-16,924
-16,723
-16,520
43,685
-16,109
-15,901
-15,692
-15,480
-15,267
-15,052
-14,836
-14,617
-14,397
-14,175

27,040
27,266
27,494
27,723
27,955
28,189
28,424
28,662
28,901
29,143
29,386
29,632
29,879
30,129
30,381
30,634
30,890
31,148
31,409
31,671
31,936
32,203
32,472
32,743
33,017
33,292
33,571
33,851
34,134
34,419
34,707
34,997
35,289
35,584
35,881
36,181
36,483
36,788
37,095
37,405
37,718
38,033
38,351
38,671
38,994

1,642,645
1,615,379
1,587,885
1,560,162
1,532,207
1,504,018
1,475,594
1,446,932
1,418,031
1,388,889
1,359,502
1,329,871
1,299,991
1,269,863
1,239,482
1,208,848
1,177,957
1,146,809
1,115,400
1,083,729
1,051,793
1,019,590
987,119
954,376
921,359
888,067
854,496
820,645
786,511
752,092
717,385
682,389
647,100
611,516
575,635
539,454
502,970
466,182
429,087
391,681
353,963
315,930
277,579
238,908
199,914

60,000

58,911

48,027

36,001

-13,950
46,275
-13,497
-13,267
-13,035
-12,802
-12,566
-12,329
-12,089
-11,848
-11,604
-11,359
-11,111
48,049
-10,610
-10,356
-10,100
-9,842
-9,582
-9,319
-9,055
-8,788
-8,519
-8,248
-7,974
40,329
-7,420
-7,139
-6,857
-6,571
-6,284
-5,994
-5,701
-5,407
-5,109
-4,810
-4,507
31,798
-3,895
-3,585
-3,273
-2,957
-2,640
-2,319
-1,996

39,320
39,649
39,980
40,314
40,651
4,240,000

Rent
Annualized
9.59%

160,594
120,945
80,965
40,651
0

22,711

-1,670
-1,342
-1,011
-676
22,371
33,637,500

Rent

EMI-Rent
12,500
12,500
12,500
12,500
12,500
12,500
12,500
12,500
12,500
12,500

(EMI-Rent) in
28,491
28,491
28,491
28,491
28,491
28,491
28,491
28,491
28,491
28,491

158,530
157,396
156,269
155,151
154,041
152,939
151,844
150,758
149,679
148,608

12,500
12,500
13,375
13,375
13,375
13,375
13,375
13,375
13,375
13,375
13,375
13,375
13,375
13,375
14,311
14,311
14,311
14,311
14,311
14,311
14,311
14,311
14,311
14,311
14,311
14,311
15,313
15,313
15,313
15,313
15,313
15,313
15,313
15,313
15,313
15,313
15,313
15,313
16,385
16,385
16,385
16,385
16,385
16,385
16,385

28,491
28,491
27,616
27,616
27,616
27,616
27,616
27,616
27,616
27,616
27,616
27,616
27,616
27,616
26,679
26,679
26,679
26,679
26,679
26,679
26,679
26,679
26,679
26,679
26,679
26,679
25,677
25,677
25,677
25,677
25,677
25,677
25,677
25,677
25,677
25,677
25,677
25,677
24,606
24,606
24,606
24,606
24,606
24,606
24,606

147,544
146,489
140,974
139,965
138,963
137,969
136,982
136,001
135,028
134,062
133,103
132,150
131,205
130,266
124,949
124,055
123,167
122,286
121,411
120,542
119,679
118,823
117,973
117,128
116,290
115,458
110,328
109,538
108,754
107,976
107,203
106,436
105,675
104,918
104,168
103,422
102,682
101,947
96,993
96,298
95,609
94,925
94,246
93,572
92,902

16,385
16,385
16,385
16,385
16,385
17,532
17,532
17,532
17,532
17,532
17,532
17,532
17,532
17,532
17,532
17,532
17,532
18,759
18,759
18,759
18,759
18,759
18,759
18,759
18,759
18,759
18,759
18,759
18,759
20,072
20,072
20,072
20,072
20,072
20,072
20,072
20,072
20,072
20,072
20,072
20,072
21,477
21,477
21,477
21,477

24,606
24,606
24,606
24,606
24,606
23,459
23,459
23,459
23,459
23,459
23,459
23,459
23,459
23,459
23,459
23,459
23,459
22,231
22,231
22,231
22,231
22,231
22,231
22,231
22,231
22,231
22,231
22,231
22,231
20,918
20,918
20,918
20,918
20,918
20,918
20,918
20,918
20,918
20,918
20,918
20,918
19,513
19,513
19,513
19,513

92,237
91,577
90,922
90,271
89,625
84,836
84,229
83,626
83,028
82,434
81,844
81,258
80,677
80,100
79,526
78,957
78,392
73,760
73,232
72,708
72,187
71,671
71,158
70,649
70,143
69,641
69,143
68,648
68,157
63,672
63,217
62,764
62,315
61,869
61,427
60,987
60,551
60,117
59,687
59,260
58,836
54,491
54,101
53,714
53,330

21,477
21,477
21,477
21,477
21,477
21,477
21,477
21,477
22,981
22,981
22,981
22,981
22,981
22,981
22,981
22,981
22,981
22,981
22,981
22,981
24,589
24,589
24,589
24,589
24,589
24,589
24,589
24,589
24,589
24,589
24,589
24,589
26,311
26,311
26,311
26,311
26,311
26,311
26,311
26,311
26,311
26,311
26,311
26,311
28,152

19,513
19,513
19,513
19,513
19,513
19,513
19,513
19,513
18,010
18,010
18,010
18,010
18,010
18,010
18,010
18,010
18,010
18,010
18,010
18,010
16,401
16,401
16,401
16,401
16,401
16,401
16,401
16,401
16,401
16,401
16,401
16,401
14,680
14,680
14,680
14,680
14,680
14,680
14,680
14,680
14,680
14,680
14,680
14,680
12,838

52,948
52,569
52,193
51,820
51,449
51,081
50,715
50,352
46,140
45,810
45,482
45,157
44,834
44,513
44,194
43,878
43,564
43,252
42,943
42,636
38,550
38,274
38,000
37,728
37,458
37,190
36,924
36,660
36,397
36,137
35,878
35,621
31,655
31,428
31,204
30,980
30,759
30,538
30,320
30,103
29,888
29,674
29,461
29,251
25,398

28,152
28,152
28,152
28,152
28,152
28,152
28,152
28,152
28,152
28,152
28,152
30,123
30,123
30,123
30,123
30,123
30,123
30,123
30,123
30,123
30,123
30,123
30,123
32,232
32,232
32,232
32,232
32,232
32,232
32,232
32,232
32,232
32,232
32,232
32,232
34,488
34,488
34,488
34,488
34,488
34,488
34,488
34,488
34,488
34,488

12,838
12,838
12,838
12,838
12,838
12,838
12,838
12,838
12,838
12,838
12,838
10,867
10,867
10,867
10,867
10,867
10,867
10,867
10,867
10,867
10,867
10,867
10,867
8,759
8,759
8,759
8,759
8,759
8,759
8,759
8,759
8,759
8,759
8,759
8,759
6,503
6,503
6,503
6,503
6,503
6,503
6,503
6,503
6,503
6,503

25,216
25,036
24,856
24,679
24,502
24,327
24,153
23,980
23,808
23,638
23,469
19,724
19,583
19,443
19,304
19,165
19,028
18,892
18,757
18,623
18,489
18,357
18,226
14,584
14,480
14,376
14,273
14,171
14,070
13,969
13,869
13,770
13,672
13,574
13,477
9,933
9,862
9,792
9,722
9,652
9,583
9,515
9,446
9,379
9,312

34,488
34,488
36,902
36,902
36,902
36,902
36,902
36,902
36,902
36,902
36,902
36,902
36,902
36,902
39,485
39,485
39,485
39,485
39,485
39,485
39,485
39,485
39,485
39,485
39,485
39,485
42,249
42,249
42,249
42,249
42,249
42,249
42,249
42,249
42,249
42,249
42,249
42,249
45,207
45,207
45,207
45,207
45,207
45,207
45,207

6,503
6,503
4,088
4,088
4,088
4,088
4,088
4,088
4,088
4,088
4,088
4,088
4,088
4,088
1,505
1,505
1,505
1,505
1,505
1,505
1,505
1,505
1,505
1,505
1,505
1,505
-1,259
-1,259
-1,259
-1,259
-1,259
-1,259
-1,259
-1,259
-1,259
-1,259
-1,259
-1,259
-4,216
-4,216
-4,216
-4,216
-4,216
-4,216
-4,216

9,245
9,179
5,730
5,689
5,648
5,608
5,568
5,528
5,488
5,449
5,410
5,371
5,333
5,295
1,935
1,922
1,908
1,894
1,881
1,867
1,854
1,841
1,827
1,814
1,801
1,788
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

45,207
45,207
45,207
45,207
45,207

-4,216
-4,216
-4,216
-4,216
-4,216

0
0
0
0
0
0
0

Net Salary

Basic

HRA

DA

Tax benefit

780,000

234,000

117,000

35,100

865,800

259,740

129,870

38,961

961,038

288,311

144,156

42,871

1,066,752

320,026

160,013

45,526

1,184,095

355,228

177,614

48,329

1,314,345

394,304

197,152

51,286

1,458,923

437,677

218,839

54,403

1,619,405

485,821

242,911

57,686

1,797,539

539,262

269,631

61,141

1,995,269

598,581

299,290

64,773

2,214,748

664,425

332,212

68,589

2,458,371

737,511

368,756

72,593

2,728,791

818,637

409,319

76,789

3,028,959

908,688

454,344

81,182

3,362,144

1,008,643

504,322

85,775

3,731,980

1,119,594

559,797

90,569

4,142,498

1,242,749

621,375

95,565

4,598,172

1,379,452

689,726

100,763

5,103,971

1,531,191

765,596

106,161

5,665,408

1,699,622

849,811

111,755

CF
-1,352,000
-12,500
-12,500
-12,500
-12,500
-12,500
-12,500
-12,500
-12,500
-12,500
-12,500

-12,500
22,600
-13,375
-13,375
-13,375
-13,375
-13,375
-13,375
-13,375
-13,375
-13,375
-13,375
-13,375
25,586
-14,311
-14,311
-14,311
-14,311
-14,311
-14,311
-14,311
-14,311
-14,311
-14,311
-14,311
28,560
-15,313
-15,313
-15,313
-15,313
-15,313
-15,313
-15,313
-15,313
-15,313
-15,313
-15,313
30,213
-16,385
-16,385
-16,385
-16,385
-16,385
-16,385
-16,385

-16,385
-16,385
-16,385
-16,385
31,944
-17,532
-17,532
-17,532
-17,532
-17,532
-17,532
-17,532
-17,532
-17,532
-17,532
-17,532
33,754
-18,759
-18,759
-18,759
-18,759
-18,759
-18,759
-18,759
-18,759
-18,759
-18,759
-18,759
35,643
-20,072
-20,072
-20,072
-20,072
-20,072
-20,072
-20,072
-20,072
-20,072
-20,072
-20,072
37,613
-21,477
-21,477
-21,477
-21,477

-21,477
-21,477
-21,477
-21,477
-21,477
-21,477
-21,477
39,663
-22,981
-22,981
-22,981
-22,981
-22,981
-22,981
-22,981
-22,981
-22,981
-22,981
-22,981
41,793
-24,589
-24,589
-24,589
-24,589
-24,589
-24,589
-24,589
-24,589
-24,589
-24,589
-24,589
44,000
-26,311
-26,311
-26,311
-26,311
-26,311
-26,311
-26,311
-26,311
-26,311
-26,311
-26,311
46,282
-28,152

-28,152
-28,152
-28,152
-28,152
-28,152
-28,152
-28,152
-28,152
-28,152
-28,152
48,637
-30,123
-30,123
-30,123
-30,123
-30,123
-30,123
-30,123
-30,123
-30,123
-30,123
-30,123
51,059
-32,232
-32,232
-32,232
-32,232
-32,232
-32,232
-32,232
-32,232
-32,232
-32,232
-32,232
53,543
-34,488
-34,488
-34,488
-34,488
-34,488
-34,488
-34,488
-34,488
-34,488
-34,488

-34,488
56,081
-36,902
-36,902
-36,902
-36,902
-36,902
-36,902
-36,902
-36,902
-36,902
-36,902
-36,902
58,663
-39,485
-39,485
-39,485
-39,485
-39,485
-39,485
-39,485
-39,485
-39,485
-39,485
-39,485
61,278
-42,249
-42,249
-42,249
-42,249
-42,249
-42,249
-42,249
-42,249
-42,249
-42,249
-42,249
63,912
-45,207
-45,207
-45,207
-45,207
-45,207
-45,207
-45,207

-45,207
-45,207
-45,207
-45,207
66,548
12,717,857
7,086,777

Tax exemptions
IT

HRA

Exemptio
Sec 24: Yo
Sec 80C: Pr

Tax exemption is calculated as the least of the following:

Rent paid in excess of 10% of basic
Actual HRA received
50% of basic salary (40% for non-metro cities)

Pre-condition
Interest exemption can be availed only the house is in possession
Principal repayment is one of the many items exempt including PPF, LIC etc. Maximum exemption is 1

ax exemption is calculated as the least of the following:

ent paid in excess of 10% of basic
ctual HRA received
0% of basic salary (40% for non-metro cities)

imum exemption is 100,000