HRA Calculator
Calculate your tax-exempt HRA amount based on salary, rent paid and city of residence.
Tax-Exempt HRA (Monthly)
₹13,000
Taxable HRA (Monthly)
₹7,000
How to Use This Calculator
1. Enter your monthly basic salary (+ dearness allowance, if applicable).
2. Enter the HRA you actually receive from your employer each month.
3. Enter the actual monthly rent you pay and whether you live in a metro city.
4. View your tax-exempt HRA amount and the taxable portion.
Formula & Explanation
HRA exemption under Section 10(13A) is the minimum of these three amounts:
- Actual HRA received from employer
- Rent paid minus 10% of basic salary
- 50% of basic salary (metro cities) or 40% (non-metro cities)
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Frequently Asked Questions
Delhi, Mumbai, Kolkata and Chennai are classified as metro cities, entitling you to a higher 50% of basic salary limit. All other cities use the 40% limit.
No, the HRA exemption is only available under the old tax regime. The new regime does not allow this exemption.
Yes, you typically need rent receipts, and a rent agreement plus the landlord's PAN if annual rent exceeds ₹1,00,000, to claim HRA exemption.
No, HRA exemption is only available if you actually pay rent for accommodation. If you own the house you live in, you cannot claim this exemption.
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