HRA Calculator

Calculate House Rent Allowance (HRA) tax exemption under Section 10(13A) of Income Tax Act.

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₹
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Taxable HRA Amount₹1,50,000
Annual HRA Received₹3,60,000
Exempted HRA (Tax-Free)₹2,10,000
58%Exempt
Exempt HRA
Taxable HRA

HRA Calculator – House Rent Allowance Tax Exemption Calculator

House Rent Allowance (HRA) is an integral salary component provided by employers to meet rental accommodation expenses.

Under Section 10(13A) of the Income Tax Act read with Rule 2A, salaried taxpayers paying rent can claim substantial tax exemptions on their HRA.

What is the HRA Exemption Calculator?

Our HRA Calculator computes the exact portion of your HRA that is exempt from income tax and the remaining portion that is taxable under the Old Tax Regime.

Benefits of Calculating HRA Exemption

Maximizes legal tax savings by determining the exact amount deductible from taxable income.
Accounts for the regulatory distinction between Metro cities (Delhi, Mumbai, Kolkata, Chennai - 50%) and Non-Metro cities (40%).
Helps you structure rent agreements and rent receipts properly before submitting tax declarations.

The Statutory HRA Exemption Rule

Under Rule 2A, the exempt HRA is the minimum of the following three values:

Calculation Formula
Exempt HRA = MIN( Actual HRA Received, Rent Paid - 10% of Basic+DA, 50% or 40% of Basic+DA )
Parameters Definition
Condition 1:Actual House Rent Allowance received from employer.
Condition 2:Actual rent paid minus 10% of Basic Salary (+ Dearness Allowance).
Condition 3:50% of Basic Salary for metro cities, or 40% for non-metro cities.

How to Use the HRA Calculator

1

Enter your monthly Basic Salary (+ Dearness Allowance if applicable).

2

Enter the monthly HRA component reflected on your salary slip.

3

Enter the actual monthly rent paid to your landlord.

4

Toggle whether your rented residence is situated in a Metro city or Non-Metro city.

5

Review your monthly and annual exempt HRA vs taxable HRA.

Frequently Asked Questions

Can I claim HRA under the New Tax Regime?
No. HRA exemption under Section 10(13A) is only available under the Old Tax Regime. The New Tax Regime offers lower slab rates in exchange for forgoing deductions.

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