HRA Exemption Calculator
Calculate HRA tax exemption under Section 10(13A) for salaried employees.
HRA Exemption Calculator
Calculate HRA tax exemption under Section 10(13A) | FY 2025-26
Salary Details (Monthly)
Three Conditions (Lowest = Exemption)
HRA received from employer
₹15,000 - 10% of ₹50,000
50% of ₹50,000
Annual Tax Saving
HRA Exemption Rules
Section 10(13A): Salaried employees receiving HRA can claim exemption equal to the minimum of: (1) Actual HRA received, (2) Rent paid minus 10% of basic+DA, (3) 50% of basic+DA for metro / 40% for non-metro.
Metro Cities: Only Delhi, Mumbai, Kolkata, and Chennai qualify as metro cities for HRA calculation. All others are non-metro.
Documents Needed: Rent receipts, rent agreement, landlord PAN (if rent > ₹1 lakh/year). Submit to employer for TDS adjustment.
New Tax Regime: HRA exemption is NOT available under the new tax regime (Section 115BAC). Only old regime allows HRA claim.
How to Use HRA Exemption Calculator
- 1
Enter your monthly Basic Salary and Dearness Allowance.
- 2
Enter the HRA amount received from your employer per month.
- 3
Enter the monthly rent you pay.
- 4
Select Metro or Non-Metro city type.
- 5
View all three HRA conditions and your exempt/taxable HRA with annual tax savings.
About HRA Exemption Calculator
Calculate your HRA tax exemption under Section 10(13A) of the Income Tax Act. See exactly how much of your House Rent Allowance is tax-exempt and how much is taxable.
Key Features
- 3-Condition Calculation: Computes all three HRA exemption conditions and highlights which one determines your exemption.
- Metro vs Non-Metro: 50% of Basic+DA for Delhi, Mumbai, Kolkata, Chennai; 40% for all other cities.
- Tax Savings: Shows annual savings at both 20% and 30% tax slab rates.
- Monthly & Annual Views: Toggle between monthly and annual HRA figures.
- Quick Presets: Common salary bracket presets for instant estimates.
Who Is This For?
Perfect for salaried employees deciding between old vs new tax regime, or verifying HRA deductions before submitting rent receipts to their employer.
Privacy & Security
All calculations run instantly in your browser — no data stored, no signup required.