Calculate Your HRA Tax Exemption Instantly
The HRA Calculator works out your House Rent Allowance tax exemption under Section 10(13A), using the official least-of-three rule, so salaried employees can see exactly how much of their HRA is exempt.
Enter your monthly Basic + DA, HRA received and rent paid above, choose metro or non-metro, press Calculate, and read your monthly and yearly exemption plus the taxable HRA instantly.
Table of Contents
What is a HRA Calculator?
A HRA Calculator estimates the tax exemption on House Rent Allowance for a salaried employee who lives in rented accommodation, by comparing the three limits in Section 10(13A) and taking the smallest.
HRA exemption (Section 10(13A)) = LEAST of: (1) actual HRA received, (2) rent paid minus 10% of salary (Basic+DA), (3) 50% of salary metro / 40% non-metro.
How to Use the HRA Calculator (Step by Step)
- Enter monthly Basic + DA.
- Enter HRA received monthly.
- Enter rent paid monthly.
- Select metro/non-metro and press Calculate.
Example Calculation
Basic 50,000, HRA 20,000, Rent 15,000, Metro → Exemption Rs 10,000/month (Rs 1,20,000/year), Taxable HRA Rs 10,000/month.
Features of the HRA Calculator
- Official least-of-three rule
- Metro/non-metro switch
- Monthly + yearly exemption
- Taxable HRA shown too
Benefits of Using a HRA Calculator
- Know your exact tax saving
- Plan rent declarations
- Avoid under/over-claiming
- Instant
Final Thoughts
Your HRA exemption is ready in seconds with the HRA Calculator. For more useful free tools, try the TDEE Calculator and the SIP Calculator.
Frequently Asked Questions (FAQs)
Which cities count as metro for HRA?
Only Delhi, Mumbai, Kolkata and Chennai get the 50 percent limit. All other cities, including Bengaluru, Hyderabad and Pune, use 40 percent.
Can I claim HRA if I live in my own house?
No. HRA exemption needs rent actually paid for rented accommodation; living in your own or rent-free house makes the full HRA taxable.
Can I claim HRA and home loan benefits together?
Yes, if you pay rent in one city and own a house in another, both HRA exemption and home loan interest deduction can be claimed, subject to conditions.
Do I need rent receipts?
Yes, keep receipts and the landlord's PAN is required if annual rent exceeds Rs 1,00,000.