HRA Calculator
The HRA Calculator computes your House Rent Allowance (HRA) tax exemption based on your salary, actual HRA received, and rent paid. Find out exactly how much HRA you can claim to reduce your tax liability.
Monthly Exemption
₹15,000
Annual HRA Exemption
₹1,80,000
Taxable HRA
₹10,000
HRA Exemption = Minimum of the three conditions:
HRA Exemption Formula
HRA Exemption = Minimum of: 1. Actual HRA received 2. Rent paid − 10% of basic salary 3. 50% of basic (metro) or 40% of basic (non-metro)
Examples
Metro city employee
Result: Exemption: ₹15,000/month (₹1,80,000/year)
Minimum of HRA ₹25K, Rent-10%Basic ₹15K, 50%Basic ₹25K = ₹15,000
Non-metro city
Result: Exemption: ₹10,000/month
Min of ₹16K, ₹10K, ₹16K = ₹10,000
High rent scenario
Result: Exemption: ₹29,000/month
Min of ₹30K, ₹29K, ₹30K = ₹29,000
Frequently Asked Questions
Who can claim HRA exemption?
Salaried employees who receive HRA as part of their CTC and pay rent for their accommodation can claim HRA exemption under Section 10(13A).
Do I need rent receipts to claim HRA?
Yes. For rent exceeding ₹1 lakh/year, you also need the landlord's PAN.
Can I claim HRA if I live in my own house?
No. HRA exemption is only for employees who pay rent. If you live in your own house, you cannot claim HRA exemption.