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HRA Calculator

Basic salary received *

₹

Dearness allowance (DA) received *

₹

HRA Received *

₹

Total Rent Paid *

₹

Do you live in Delhi, Mumbai, Kolkata or Chennai?

Exempted HRA

Taxable HRA

Actual HRA received
0.00
40% of Basic + DA
0.00
Rent Paid in excess of 10% of salary
0.00

The least of the above three is exempt from HRA

Amount of exempted HRA
0.00
HRA chargeable to Tax
0.00

HRA Calculator

Turn Your Rent Receipts into Significant Tax Savings
For salaried professionals, House Rent Allowance (HRA) is one of the most powerful tools to reduce taxable income. However, calculating the exact exemption is not as simple as looking at your rent receipts. Our calculator applies the precise legal filters to determine your maximum tax benefit instantly

How the HRA Exemption Works

Under Section 10(13A) of the Income Tax Act, the exempt portion of your HRA is the minimum of the following three amounts:

    • Actual Rent Paid minus 10% of Salary. received from your employer
    • 50% of Salary (for those living in Metro cities) or 40% of Salary (for Non-Metro cities).
    • Actual Rent Paid minus 10% of Salary

    Definition of "Salary": For HRA purposes, "Salary" includes your Basic Pay + Dearness Allowance (DA) and any commission based on a fixed percentage of turnover.

    How to Use This Calculator

    • Basic Salary :
      Enter your monthly or annual basic pay as mentioned in your salary structure.
    • HRA Received :
      Enter the HRA component shown in your salary slip or Form 16.
    • Total Rent Paid :
      Input the actual rent you pay to your landlord during the financial year.
    • City Type :
      Select Metro if you live in Delhi, Mumbai, Kolkata, or Chennai; otherwise choose Non-Metro.
    • Get Results :
      View a clear breakdown of your exempt HRA and taxable HRA instantly.

    Understanding the Math

    Our engine utilizes the following LaTeX-rendered formulas to ensure 100% accuracy The exempt amount is calculated as:

      Exemption = min

      {

      Actual HRA Received

      0.50 × Salary (Metro) or 0.40 × Salary (Non-Metro)

      Rent Paid − (0.10 × Salary)

      Critical Guidelines for 2026

      • PAN of Landlord :
        If your total rent paid during the year exceeds ₹1,00,000, you must provide your landlord’s PAN to claim the HRA exemption.
      • Rent to Family :
        You may pay rent to your parents and claim HRA, provided they own the property and you maintain valid rent receipts or bank transfer records.
      • New Tax Regime :
        Important! If you opt for the New Tax Regime, HRA exemptions are not available. This calculator is specifically designed for those planning their finances under the Old Tax Regime