What is HRA exemption?

HRA (House Rent Allowance) exemption is a tax relief provided under Section 10(13A) of the Income Tax Act for salaried individuals living in rented accommodations.

How is HRA exemption calculated?

The HRA exemption amount is the minimum of three conditions: 1) Actual HRA received, 2) 50% of Basic salary for metro cities (40% for non-metros), and 3) Rent paid minus 10% of Basic salary.

Which cities are considered metro cities for HRA calculations?

For HRA calculations, Mumbai, Delhi, Kolkata, and Chennai are classified as metro cities (50% rule). All other Indian cities fall under non-metro (40% rule).

HRA Calculator 🇮🇳 Indian Tax Rule

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Calculate the House Rent Allowance (HRA) tax exemption under Section 10(13A) of the Income Tax Act. Optimize your salary structure for tax savings.

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HRA Exemption Parameters

Basic Salary + DA (Per Month)

₹

HRA Received (Per Month)

₹

Rent Paid (Per Month)

₹

Rented City Accommodation Type

Metro cities for HRA: Delhi, Mumbai, Kolkata, Chennai.

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How to Use the HRA Calculator

Easily evaluate your HRA tax-exempt limits:

Adjust your monthly Basic Salary + Dearness Allowance (DA).
Input the monthly HRA component received from your employer.
Configure the monthly actual rent amount you pay to your landlord.
Toggle the accommodation city tier between Metro (New Delhi, Mumbai, Kolkata, Chennai) and Non-Metro.
Click Calculate HRA Exemption to view the taxable and exempt allowance splits.