HRA Calculator

Compute your HRA exemption without logging in. Enter three numbers and get the exempt and taxable split instantly. No account required.

HRA Details

₹
₹
₹
₹
₹

Exempted HRA

₹ 0

Taxable HRA

₹ 0

Actual HRA Received

₹ 0

HRA Exemption Breakdown

Criterion Amount
Actual HRA Received (Monthly) ₹ 0
Rent Paid Annually minus 10% of (Basic + DA + Commission) ₹ 0
50% (Metro) / 40% (Non-Metro) of (Basic + DA + Commission) ₹ 0
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Step-by-Step Guide

Calculate HRA Tax Exemptions in 4 Easy Steps

Determine the tax-exempt and taxable portions of your House Rent Allowance instantly.

1
Input Salary Details

Enter your monthly basic salary and dearness allowance (DA) received from your employer.

Basic Monthly Salary Dearness Allowance (DA)
2
HRA & Rent Paid

Enter the actual HRA amount received from your employer, plus the monthly rent you pay to your landlord.

HRA Received Monthly Rent Paid Landlord Receipts
3
Select Metro Status

Choose whether you reside in a metro city (Delhi, Mumbai, Kolkata, Chennai) or a non-metro city.

Metro / Non-Metro 50% vs 40% Allowance City Category
4
View Exemption

Instantly view the tax-exempt HRA, the taxable portion, and the detailed breakdown of the three statutory limits.

Tax-Exempt HRA Taxable HRA
Local tax parsing
No tax brackets or salaries saved
100% Secure private calculations
Tax Planners

Optimize Your House Rent Allowance Tax Savings

Leverage standard income tax rules to maximize your tax deductions on rental payments.

Three-Clause HRA Formula

Accurately computes exemptions based on the minimum of: actual HRA received, rent paid minus 10% of salary, or 40%/50% of salary.

Metro vs Non-Metro Rules

Automatically applies the correct statutory rate (50% of basic salary for metro cities, 40% for other locations).

Detailed Breakdown

Exposes the exact values calculated under each legal clause so you understand which limit triggered your exemption.

Instant Adjustments

Slide basic salary or adjust rent figures to find your optimal rent budget to maximize tax exemptions.

Fully compliant with standard Income Tax rules
All salary and rent data remains 100% private in-browser
Perfect for annual tax filings & salary tax planners
FAQ

Common Questions

Find answers about HRA eligibility, metro classifications, rent receipts, and tax filings.

What is HRA and who is eligible for tax exemptions?
HRA stands for House Rent Allowance. Salaried individuals who receive an HRA component in their salary package and reside in a rented house are eligible for tax exemptions under income tax laws.
How is the HRA tax exemption calculated?
The exemption is the minimum of these three values: 1) Actual HRA received, 2) Rent paid minus 10% of (Basic Salary + DA), or 3) 50% of (Basic Salary + DA) in metro cities (40% in non-metro cities).
Which cities are classified as metro cities for HRA?
For HRA tax purposes, only four cities are classified as metro cities: Delhi, Mumbai, Kolkata, and Chennai. All other major cities (like Bangalore, Hyderabad, or Pune) fall under the 40% non-metro tier.
Can I claim HRA if I pay rent to my parents?
Yes, you can claim HRA by paying rent to your parents, provided they own the property and you pay them rent regularly (via bank transfers). Note that this rent is taxable income for your parents.
Do I need a landlord's PAN to claim HRA?
Under current regulations, if your total rent paid in a financial year exceeds ₹1,00,000, it is mandatory to provide the PAN of your landlord to claim the tax exemption.