Calculate your HRA (House Rent Allowance) tax exemption under Section 10(13A). If you’re a salaried employee receiving HRA and paying rent, you can claim a significant tax deduction — but only the lowest of three calculated amounts is exempt.
Our calculator computes all three conditions and shows you the maximum HRA exemption you can claim: actual HRA received, 50%/40% of basic salary (metro/non-metro), and rent paid minus 10% of basic salary. Many employees leave money on the table by not claiming HRA correctly.
How to Use This Calculator
- Enter your Basic Salary + DA (monthly).
- Enter HRA received from employer (monthly).
- Enter actual rent paid (monthly).
- Select city type (Metro: Delhi/Mumbai/Kolkata/Chennai, or Non-metro).
- Click “Calculate” to see your exempt HRA amount.
Frequently Asked Questions
How is HRA exemption calculated?
HRA exemption is the MINIMUM of: (1) Actual HRA received, (2) 50% of basic salary for metro cities or 40% for non-metro, (3) Rent paid minus 10% of basic salary. For example, if basic is ₹50,000, HRA is ₹25,000, and rent is ₹20,000 in Mumbai: the exempt amount is min(₹25,000, ₹25,000, ₹15,000) = ₹15,000.
Can I claim HRA if I have a home loan?
Yes, you can claim both HRA exemption and home loan tax benefits if you own a house in one city but live and pay rent in another city for work. However, you cannot claim HRA if you live in your own house in the same city.
Is HRA available in the New Tax Regime?
No, HRA exemption under Section 10(13A) is NOT available in the New Tax Regime. If HRA forms a significant part of your tax savings, the Old Regime may be better for you. Use our Income Tax Calculator to compare both regimes.