HRA Calculator

Estimate how much of your house rent allowance is exempt from tax, and how much is taxable

Enter Salary & Rent Details

₹
₹

Enter 0 if you receive no dearness allowance.

₹
₹

The calculator uses 50% of salary for a metro city and 40% for others. Check which cities count as metro under the current rules.

HRA Exemption

Enter your salary and rent to see your HRA exemption

Before you rely on this result

  • •The exempt amount is the lowest of the three figures in the breakdown.
  • •Salary here means basic pay plus dearness allowance, as you entered them.
  • •This is an estimate. Whether HRA is exempt at all depends on your tax regime and the current Income-tax rules.
  • •Check the current rules, or ask a tax adviser, before you file your return.

Frequently Asked Questions

How is HRA exemption calculated?+
HRA exemption is the MINIMUM of three amounts: (1) Actual HRA received from employer, (2) 50% of Basic + DA for metro cities or 40% for non-metro cities, (3) Rent paid minus 10% of Basic + DA. The lowest of these three is your tax-exempt HRA.
Which cities are considered metro for HRA?+
For HRA calculation, metro cities are Delhi, Mumbai, Chennai, and Kolkata. All other cities including Bangalore, Hyderabad, Pune, Ahmedabad are considered non-metro (40% rule applies instead of 50%).
Can I claim HRA if I have a home loan?+
Yes, you can claim both HRA exemption and home loan benefits simultaneously if you live in a rented house in one city while owning property in another city. However, you cannot claim HRA for rent paid on your own house.
Is HRA available under the new tax regime?+
No. HRA exemption under Section 10(13A) is NOT available if you choose the new tax regime (Section 115BAC). You must opt for the old tax regime to claim HRA exemption. Compare both regimes to see which gives you lower tax.
Back to All Calculators

Automate Payroll Processing

Set up salary components, run payroll and generate payslips from one platform.