HRA Exemption Calculator
Last Updated: 8 April 2026
HRA Exemption Calculator
Calculate tax savings on your house rent under Section 10(13A)
How it Works & Benefits
Metro vs Non-Metro
Correctly handles the 50% vs 40% rule for Indian cities.
Tax Optimization
Helps you decide if you should increase your rent to save more tax.
Accurate Math
Follows Section 10(13A) rules exactly as per income tax laws.
Frequently Asked Questions
Common queries answered for you
No, HRA exemption is only available if you stay in a rented accommodation and pay rent for it. You cannot claim HRA if you live in your own house.
You need rent receipts and a rent agreement. If your annual rent exceeds ₹1 Lakh, you must also provide the PAN of your landlord to your employer.
Yes, you can claim both HRA and Home Loan interest (Section 24b) if you are living in a rented house in the same or another city while owning a home.
What is Decoding HRA: How much can you actually save??
House Rent Allowance (HRA) is a component of your salary provided by your employer to meet the cost of a rented house. Income tax law allows you to exempt a portion of this HRA from tax if you actually pay rent.
📊 Practical Example
"If your Basic is ₹50k, HRA is ₹20k, and Rent is ₹15k, your exemption would be ₹10,000 (Rent - 10% Basic). You only pay tax on the remaining ₹10,000 of your HRA."
⚠️ Common Mistake
Trying to claim HRA in the New Tax Regime. HRA exemption is ONLY available under the Old Tax Regime. In the New Regime, the entire HRA received is fully taxable.
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