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 reside 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.
Looking for pre-approved offers with competitive rates?
Compare verified offers from 30+ RBI-registered lenders with zero impact on your credit score.
₹1,20,000
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.
- 100% Free with zero hidden calculation fees
- Aligned with verified RBI & statutory tax models
- Instant amortization and compounded corpus outputs
- No login or personal financial information required
How to Use HRA Calculator
Streamline your personal financial planning with an easy, automated process — calculate, plan, and achieve your financial targets.
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.
Recommended Financial Calculators
Discover complementary calculators to optimize your borrowing, investments, and tax outgo.
Personal Loan EMI
Estimate your monthly installment, total interest payable, and overall loan repayment schedule instantly.
Home Loan EMI
Calculate your monthly housing loan EMI, amortisation schedule, and total interest outgo for property purchase.
Car Loan EMI
Calculate monthly instalments on new automobile financing with customizable loan amounts, tenures, and rates.
Bike Loan EMI
Estimate monthly instalments on motorcycle and scooter financing with instant interest calculations.
Explore Financial Products
Access transparent financial products from India's leading financial institutions.
Instant Personal Loan
Compare competitive rate offers from 30+ RBI-approved lenders with fast digital disbursal.
Credit Score Analysis
Check your bureau score for free with actionable insights to improve creditworthiness.
Affordable Home Loans
Low interest rates and flexible tenures for purchasing or renovating your dream home.
Best Credit Cards
Find credit cards matched to your lifestyle with cashback, airport lounge access, and rewards.
Frequently Asked Questions
Get clear answers about HRA Calculator calculations, interest components, and eligibility terms.