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HRA Exemption Calculator

Calculate House Rent Allowance exemption as per Indian tax rules

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HRA Exemption Details

HRA Exemption Analysis

Enter salary and rent details to calculate HRA exemption

House Rent Allowance (HRA) Exemption Calculator

HRA is a salary component that provides tax exemption for rent paid. Calculate your eligible exemption under Section 10(13A) of the Income Tax Act.

Formula

50% for metro cities (Delhi, Mumbai, Kolkata, Chennai), 40% for non-metro. Salary = Basic + DA + commission (fixed % of turnover).

Example Calculation

Scenario:

Metro city, Basic = ₹30,000, DA = ₹5,000, HRA = ₹12,000, Rent = ₹15,000

Calculation:

Salary = ₹35,000. Check: (1) ₹12,000, (2) 50% of ₹35,000 = ₹17,500, (3) ₹15,000 - ₹3,500 = ₹11,500

Result:

HRA exemption: ₹11,500 per month (minimum of the three)

Key Points

•HRA exemption only available in old tax regime, not in new default regime
•Must actually pay rent to claim exemption
•Landlord's PAN mandatory if annual rent exceeds ₹1,00,000
•Need rent receipts, rental agreement for claiming exemption
•Metro cities: Delhi, Mumbai, Kolkata, Chennai (50%); all others (40%)

Tax Implications:

•Available only under old tax regime (Section 10(13A))
•Not available in new default tax regime effective AY 2024-25
•Submit rent receipts and Form 12BA to employer for exemption
•Can claim both HRA and home loan benefits if loan property is different from rented property

Disclaimer: The calculations and information provided are estimates based on the inputs provided and current rates as of November 2025. Actual results may vary. Interest rates, tax laws, and regulations are subject to change. Please consult with a qualified financial advisor or tax professional for personalized advice.