HRA Exemption Calculator (India)
Calculate your HRA tax exemption in India — enter basic salary, HRA received, and rent paid to instantly find the exempt and taxable split under Section 10(13A)
Monthly Figures
Exempt HRA = Minimum of:
① Actual HRA Received
= HRA component in salary
✓ Minimum → Exempt amount
② Rent − 10% of Basic
✓ Minimum → Exempt amount
✓ Minimum → Exempt amount
Exempt HRA / month
Taxable HRA / month
⚠ Applicable under the Old Tax Regime only. No exemption if rent is not paid or if you occupy your own house.
Why you’ll love HRA Exemption Calculator (India)
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No signup, no paywall, no limits — HRA Exemption Calculator (India) works the moment the page loads.
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Everything runs in your browser. Nothing you enter is ever uploaded or stored on a server.
Works on any device
Fully responsive and touch-friendly — use it on your phone, tablet or desktop.
Accurate & clear
Built on the real formulas, with a breakdown you can actually trust.
How to use it
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About HRA Exemption Calculator (India)
The HRA Exemption Calculator helps salaried employees in India quickly determine how much of their House Rent Allowance is tax-free under Section 10(13A) of the Income Tax Act. Enter your monthly basic salary, the HRA you receive, and the rent you pay to get an instant, itemised breakdown of all three rule-based components.
The exempt amount equals the lowest of three figures: the actual HRA received, the rent paid minus 10% of basic salary, and 50% (metro) or 40% (non-metro) of basic salary. The tool highlights the binding constraint so you can see at a glance which rule is limiting your exemption — and how adjusting your rent could change the outcome.
Popular uses
Frequently asked questions
Only four cities qualify as metro under the Income Tax Act: Delhi, Mumbai, Kolkata, and Chennai. Residents of all other cities — including Bengaluru, Hyderabad, and Pune — must use the non-metro 40% cap.
No. The Section 10(13A) HRA exemption is available exclusively under the Old Tax Regime. If you opt for the New Tax Regime, the entire HRA you receive is included in your taxable income with no deduction.
If HRA is absent from your salary structure, Section 10(13A) does not apply. You may instead be eligible for a deduction under Section 80GG, which uses a separate formula. This calculator covers only the standard Section 10(13A) exemption.
HRA Exemption Calculator (India) is 100% free — no signup, no watermarks and no usage limits. It’s one of 200+ free tools we build and give away.
It uses the standard formulas and shows its working, so you can verify every number. For big decisions, treat the result as a reliable estimate.
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