HRA Calculator – Calculate Your House Rent Allowance Exemption

This HRA Calculator estimates the House Rent Allowance exemption you can claim under Section 10(13A) of the Income Tax Act. Enter your basic salary, the HRA amount received from your employer, the actual rent you pay, and whether you live in a metro or non-metro city to instantly see your exempt HRA and the taxable portion. Use it during ITR filing or salary structuring.

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HRA Exemption Calculator

Monthly Basic Salary + DA (₹)
Monthly HRA Received (₹)
Monthly Rent Paid (₹)
City Type

Metro: Delhi, Mumbai, Kolkata, Chennai. All other cities are Non-Metro.

Monthly HRA₹20,000
Exempt HRA (Monthly)₹13,000Annual Exemption: ₹1,56,000
Taxable HRA (Monthly)₹7,000Annual Taxable: ₹84,000
Section 10(13A) 3 Conditions:
1. Actual HRA received:₹20,000
2. 50% of Basic:₹25,000
3. Rent paid - 10% of Basic:₹13,000
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What is an HRA Calculator?

An HRA Calculator is an online tool that estimates the House Rent Allowance exemption you can claim under Section 10(13A) of the Income Tax Act. Enter your basic salary, HRA received from your employer, actual rent paid, and your city type to instantly calculate the HRA exemption amount and the taxable portion, useful for income tax planning and accurate ITR filing.

How to Use HRA Calculator – 3 Step Flow

Streamline your finances with an easy, automated process — calculate, plan, and achieve your financial goals.

1STEP

Enter your salary components

Input your monthly basic salary and the monthly HRA amount your employer pays as part of your CTC. Both figures should be the monthly amounts, not annual, unless the calculator specifies otherwise. If your salary structure uses basic + DA (Dearness Allowance), include DA in the basic salary figure since HRA exemption is calculated on basic + DA.

2STEP

Enter your rent details and city

Input the monthly rent you actually pay for your accommodation and select your city type, metro or non-metro. Metro cities for HRA purposes are Delhi, Mumbai, Kolkata, and Chennai. All other cities, including Bengaluru, Hyderabad, Pune, and Ahmedabad, are treated as non-metro for this calculation regardless of their size.

3STEP

Review your exemption and taxable HRA

The calculator applies all three conditions of Section 10(13A) and shows the HRA exemption, the lowest of the three computed values, along with the remaining taxable HRA amount. Use this to understand how much of your HRA is shielded from tax and how your rent amount affects the exempt portion.

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Frequently Asked Questions

An HRA Calculator estimates the House Rent Allowance exemption you can claim under Section 10(13A). Enter your basic salary, HRA received, rent paid, and city type to instantly see the tax-exempt HRA amount and the taxable portion, useful for ITR filing and salary planning under the old tax regime.

HRA exemption is the lowest of three amounts: actual HRA received, 50% of basic salary for metro cities (40% for non-metro), and actual rent paid minus 10% of basic salary. The minimum of these three values is exempt from tax. The remaining HRA is added to taxable income.

Only four cities are classified as metro for HRA exemption purposes: Delhi, Mumbai, Kolkata, and Chennai. All other cities, including Bengaluru, Hyderabad, Pune, and Ahmedabad, are treated as non-metro, where the 40% of basic salary condition applies instead of 50%.

No. HRA exemption under Section 10(13A) is not available under the new tax regime. If you opt for the new regime, the entire HRA received from your employer is treated as taxable salary. The new regime offers lower slab rates in exchange for removing most exemptions including HRA.

Your employer typically requires rent receipts and a rental agreement to process HRA exemption in Form 16. If annual rent exceeds ₹1 lakh, the landlord's PAN is also mandatory. During ITR filing, you may not need to attach documents, but you should retain them in case of a tax department query.

Yes, in certain situations. If you own a property in one city and live on rent in another city for employment purposes, you can claim both HRA exemption on the rent paid and home loan deductions (Section 24(b) and 80C) on the property you own. Both deductions are only available under the old tax regime.