HRA Exemption Calculator
Calculate your HRA tax exemption and optimize your tax savings under Section 10(13A) of the Income Tax Act
Enter Your Details
How HRA Exemption is Calculated
The exempt amount is the least of the following:
- Actual HRA received
- 50% of salary (basic + DA) for metro cities, 40% for non-metro cities
- Rent paid minus 10% of salary (basic + DA)
Calculation Results
Enter your details and click “Calculate Exemption” to see your tax savings.
Actual HRA Received
₹0
Exempted HRA Amount
₹0
Taxable HRA Amount
₹0
Annual Tax Savings*
₹0
Calculation Breakdown
HRA Distribution
* Tax savings calculated at 30% tax rate. Actual savings may vary based on your income tax slab.
Tips to Maximize HRA Exemption
Rent Receipts
Always collect rent receipts from your landlord for proof of payment.
Rent Agreement
Have a formal rent agreement to validate your rental expenses.
PAN of Landlord
If rent exceeds ₹1,00,000 per year, provide landlord’s PAN to your employer.
Actual Payment
Pay rent through banking channels for easy tracking and proof.
HRA Exemption Calculator — Description & Usage
What Is This Tool?
The HRA Exemption Calculator helps salaried employees calculate the amount of House Rent Allowance (HRA) exempt from income tax under Indian tax laws. It considers salary components, rent paid, city of residence, and statutory rules to provide an accurate exemption amount.
- Compute HRA exemption for tax savings.
- Understand taxable and exempt portions of HRA.
- Plan finances and salary structure efficiently.
Why Use the HRA Exemption Calculator?
Maximize tax benefits by understanding HRA exemption accurately.
Plan rent payments and salary structure to optimize savings.
How to Use This Tool (Step-by-Step)
- Enter your basic salary — the core component of your salary.
- Enter HRA received — monthly or annual HRA amount.
- Enter rent paid — monthly rent paid for accommodation.
- Select your city of residence — metro or non-metro city.
- Click Calculate — the tool will compute exempt and taxable HRA amounts.
- Use results — for tax filing, planning salary, or rent budgeting.
Pro Tips for Best Results
- Maintain rent receipts for accurate calculation and proof during tax filing.
- Consider city classification carefully; metros allow higher exemption limits.
- Combine HRA calculations with other exemptions for maximum tax savings.
- Review annually as salary and rent changes affect exemptions.
Use the HRA Exemption Calculator to plan your tax efficiently and maximize HRA benefits!