HRA Exemption Calculator (India)
This HRA exemption calculator works out the tax-free portion of your House Rent Allowance under Section 10(13A) of the Income Tax Act — the amount that's exempt from tax under the old regime if you pay rent. Enter your basic salary, HRA received, rent paid and city type to see your exemption and exactly which of the three statutory rules determines it.
Your monthly basic pay plus dearness allowance — the figure HRA exemption rules are based on, not your full CTC.
The house rent allowance your employer pays you each month.
The actual rent you pay each month.
Metro cities get a higher exemption ceiling (50% of basic+DA) than non-metro cities (40%).
HRA exemption (tax-free)
सेव करने के लिए लॉग इन करें₹1,56,000
Frequently asked questions
Does this exemption apply if I'm on the new tax regime?+
No — HRA exemption is only available under the old tax regime. The new regime's lower slab rates come with the trade-off of not allowing this and most other exemptions.
What proof do I need to actually claim this exemption?+
You'll typically need rent receipts covering the claimed period, and your landlord's PAN if your total annual rent exceeds ₹1,00,000. Keep a rental agreement as well, since employers and the tax department may ask for it.
Which of the three rules usually ends up binding?+
It varies by income and city — high earners with modest rent are often capped by the rent-minus-10%-of-basic rule, while those with generous employer-paid HRA relative to a modest basic salary are often capped by the 50%/40%-of-basic rule. This calculator shows all three so you can see exactly which one applies to you.
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