HRA Calculator
Calculate your HRA exemption for tax saving. See which of the 3 rules gives you maximum exemption under old regime.
🏠HRA Details (Monthly)
Monthly Exemption
₹12.5K
Tax Saved (30% slab)
₹46.8K
HRA Exemption Rules
HRA exemption is the MINIMUM of these three:
📌 Important Note
HRA exemption is only available under the OLD tax regime. The new regime does not allow HRA exemption.
This portion of HRA will be added to your taxable income.
3 Rule Comparison
See all three HRA exemption rules and which gives you the best benefit.
Metro/Non-Metro
Different calculation for metro cities (50%) vs others (40%).
Tax Savings
See exact tax savings based on your income tax bracket.
How to Use
Enter Salary
Set monthly basic, DA, and HRA received.
Enter Rent
Set the monthly rent you pay.
Select City
Choose metro or non-metro city.
View Exemption
See HRA exemption and tax savings.
The Formula
HRA Exempt = MIN(HRA received, Rent-10% Basic, 50/40% Basic)Frequently Asked Questions
What is HRA exemption?
HRA exemption allows you to reduce taxable income by a portion of HRA received, based on actual rent paid. Available only under the OLD tax regime.
Which cities are metro?
Delhi, Mumbai, Chennai, and Kolkata are classified as metro cities for HRA calculation (50% of basic). All other cities are non-metro (40%).
Can I claim HRA if I live with parents?
Yes, you can pay rent to parents and claim HRA. Ensure rent agreement exists and parents declare rental income.
What documents do I need?
Rent receipts, rent agreement, and landlord PAN (if rent > ₹1 lakh/year). Keep all documents ready for ITR filing.