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
Metro: Delhi, Mumbai, Kolkata, Chennai. All other cities are Non-Metro.
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.
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.
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.
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.
How is HRA Exemption Calculated?
HRA exemption under Section 10(13A) is calculated as the lowest of three amounts. The least of all three conditions applies, not all three together.\n\nThe Three HRA Exemption Conditions:\nExemption = Minimum of:\n1. Actual HRA received from employer\n2. 50% of basic salary (metro) or 40% of basic salary (non-metro)\n3. Actual rent paid minus 10% of basic salary\n\nKey rules and limitations:\n• HRA exemption is only available under the old tax regime, it cannot be claimed under the new tax regime\n• You must be a salaried employee receiving HRA as part of your pay structure\n• You must be actually paying rent, the exemption is not available on accommodation owned by you\n• If rent paid exceeds ₹1 lakh per year, the landlord's PAN is mandatory to claim the exemption\n• HRA paid to a spouse or immediate family member is typically disallowed by the tax department\n\nFor self-employed individuals who do not receive HRA, a deduction under Section 80GG may be available instead, subject to certain conditions. The HRA Calculator is designed for salaried employees only.
| Condition | Amount |
|---|---|
| Actual HRA received | ₹20,000 |
| 50% of basic (metro) | ₹25,000 |
| Rent – 10% of basic | ₹18,000 – ₹5,000 = ₹13,000 |
| Condition | Amount |
|---|---|
| Actual HRA received | ₹20,000 |
| 40% of basic (non-metro) | ₹20,000 |
| Rent – 10% of basic | ₹22,000 – ₹5,000 = ₹17,000 |
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