HRA Calculator
Calculate your House Rent Allowance exemption under the old tax regime.
Results update automatically as you type or change options.
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Do you live in a Metro city?
Metro cities: Delhi, Mumbai, Kolkata, Chennai, Bangalore, Pune, Hyderabad, Ahmedabad.
How much of my HRA is exempt from tax?
The least of the following three amounts is exempt from tax:
- HRA received from your employer
- Actual rent paid minus 10% of salary (Basic + DA)
- 50% of salary for metro cities, or 40% for non-metro cities
Example
Raghu lives in Mumbai. He receives HRA of ₹20,000/month, basic salary ₹50,000/month and pays rent ₹15,000/month.
| Head | Calculation | Amount (per month) |
|---|---|---|
| Actual HRA received | — | ₹20,000 |
| Rent − 10% of salary | 15,000 − 10% of 50,000 | ₹10,000 |
| 50% of Basic Salary | 50% of 50,000 | ₹25,000 |
Least of the three = ₹10,000/month — this is the exempt HRA. Annual exemption = ₹1,20,000.
FAQs
Can I claim HRA while paying rent to parents?
Yes, if your parents own the house and declare the rent as income in their tax return.
What if I forgot to submit rent receipts to HR?
You can still claim HRA while filing your income tax return directly.
Can I claim HRA and home loan deduction together?
Yes — you can claim both if you live in a rented property while repaying a home loan.