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HRA Calculator

Calculate your HRA tax exemption under Section 10(13A)

HRA Exempt
₹0
HRA Taxable
₹0
Annual Saving
₹0
HRA exemption = Minimum of these 3 conditions:
① Actual HRA received₹0
② 50%/40% of Basic+DA₹0
③ Rent paid − 10% of Basic₹0
✅ Exempt (Minimum)₹0
Annual HRA Exemption₹0
Not professional advice. This calculator is for informational and educational purposes only, based on publicly available rules and rates at the time of writing. It is not a substitute for advice from a qualified chartered accountant, tax professional, or financial advisor — please verify important decisions with one. See our full disclaimer for details.
Last reviewed: October 2026 — rates/slabs checked against official sources. See our methodology.
How HRA Exemption Works

Under Section 10(13A), HRA exemption is the minimum of:

  • Actual HRA received from employer
  • 50% of (Basic + DA) for metro cities OR 40% for non-metro
  • Actual rent paid − 10% of (Basic + DA)

Note: Rent receipts are required as proof. If annual rent exceeds ₹1 lakh, landlord's PAN is mandatory.

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What is HRA Calculator?

Free HRA calculator India. Calculate HRA tax exemption as per Section 10(13A). Find how much HRA is tax-free for metro and non-metro cities. India-specific financial calculators built for the Indian tax system, RBI guidelines, and Indian banking rates. TekPulse's HRA Calculator is completely free — no signup, no ads in results, and no data stored on our servers.

How to Use HRA Calculator Online

  1. Enter your basic salary per month and the HRA received from your employer
  2. Enter the actual rent paid per month and select your city type (Metro or Non-Metro)
  3. The calculator computes the HRA exemption as the minimum of three values as per income tax rules
  4. View the taxable HRA, exempt HRA, and the tax saved at your slab rate
  5. If your rent exceeds ₹1 lakh/year, ensure you have the landlord's PAN card for compliance

HRA Calculator Formula & Calculation

HRA Exemption = Minimum of: (1) Actual HRA received | (2) 50%/40% of Basic | (3) Rent paid − 10% of Basic

50% of basic applies for metro cities (Delhi, Mumbai, Kolkata, Chennai); 40% for all other cities.

Example: Basic = ₹60,000/month, HRA received = ₹24,000, Rent paid = ₹22,000, City = Mumbai.
(1) Actual HRA = ₹24,000 | (2) 50% of basic = ₹30,000 | (3) ₹22,000 − ₹6,000 = ₹16,000.
Exemption = Minimum = ₹16,000/month = ₹1,92,000/year → Tax saved at 30% slab = ₹57,600/year.

Key Factors That Affect Your Result

  1. Metro vs non-metro — Living in Delhi, Mumbai, Kolkata or Chennai gives 50% of basic as the benchmark vs 40% elsewhere. This can mean ₹20,000+ extra annual exemption at the same salary and rent.
  2. Actual rent paid — Condition 3 (Rent − 10% of basic) is often the binding constraint. If your rent is low relative to HRA received, this cap limits your exemption significantly.
  3. PAN requirement — If annual rent paid exceeds ₹1,00,000, you must submit your landlord's PAN to your employer. Landlord refuses to share PAN? You can still claim exemption while filing ITR but TDS of 30% applies.
  4. Dual claimants — Both spouses can claim HRA independently if both are salaried and both pay rent. However, the rental arrangement must be genuine with proper rent receipts and lease agreement.

Why Use TekPulse HRA Calculator?

Runs Entirely in Your Browser
Your salary and rent details are calculated locally — nothing is sent to our servers
100% Free
No hidden charges, no premium tier — always free
Instant Results
HRA exemption updates as you type
Educational, Not Advice
For planning only — verify with a tax professional before filing

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Related Guides

HRA Exemption Calculation: How to Save Maximum Tax on Rent

Frequently Asked Questions

HRA (House Rent Allowance) exemption is the amount of HRA received from employer that is not taxable. The exempt amount is the minimum of: actual HRA received, 50%/40% of basic salary (metro/non-metro), or rent paid minus 10% of basic salary.

No. HRA exemption is only available if you live in a rented house. If you own the house you live in, the entire HRA received is taxable.

For metro cities (Delhi, Mumbai, Kolkata, Chennai) the HRA limit is 50% of basic salary. For non-metro cities it is 40% of basic salary.

If your annual rent exceeds ₹1 lakh, you must submit rent receipts and the landlord's PAN. For rent below ₹1 lakh per year, rent receipts are recommended but not mandatory.

Yes, you can claim both if you live in a rented house in a different city from your owned property. Both deductions are allowed simultaneously in that case.

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