HRA Calculator

Calculate your House Rent Allowance (HRA) exemption to understand your taxable income.

HRA Details

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₹
₹
₹
₹

Exempted HRA

₹ 0

Taxable HRA

₹ 0

Actual HRA Received

₹ 0

HRA Exemption Breakdown

Criterion Amount
Actual HRA Received (Monthly) ₹ 0
Rent Paid Annually minus 10% of (Basic + DA + Commission) ₹ 0
50% (Metro) / 40% (Non-Metro) of (Basic + DA + Commission) ₹ 0

Simplify Your Taxes: Calculate Your HRA Exemption Effortlessly

Optimize your tax savings by accurately determining your House Rent Allowance (HRA) exemption.

Understanding HRA Exemption

House Rent Allowance (HRA) is a common component of a salaried individual's income, designed to help with rental accommodation expenses. While HRA is part of your salary, a portion of it can be claimed as an exemption under Section 10(13A) of the Income Tax Act, thereby reducing your taxable income.

Navigating the rules for HRA exemption can be complex, as it depends on various factors like your salary, the rent you pay, and your city of residence. Our HRA calculator simplifies this process, helping you quickly determine the maximum HRA amount you can claim as exempt from tax.

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How to Use Our HRA Calculator

Our user-friendly HRA calculator makes determining your exemption straightforward. Follow these simple steps to get your results:

  • Enter Basic Details
    Input your basic salary, dearness allowance (if applicable), and commission (if received as a percentage of turnover).
  • Provide Rent Paid
    Enter the actual annual rent you pay for your accommodation.
  • Select City Type
    Choose whether you reside in a metro city (Mumbai, Delhi, Chennai, Kolkata) or a non-metro city. This impacts the exemption calculation.
  • View Your Exemption
    The calculator will instantly display the maximum HRA amount you can claim as tax-exempt.
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Key Factors Influencing HRA Exemption

The HRA exemption is the least of the following three amounts:

Actual HRA Received:
The total House Rent Allowance component you receive from your employer.
50% or 40% of Salary:
50% of your basic salary plus dearness allowance (if part of retirement benefits) if you live in a metro city (Mumbai, Delhi, Chennai, Kolkata), or 40% for non-metro cities.
Rent Paid Minus 10% of Salary:
The actual annual rent paid by you, reduced by 10% of your basic salary plus dearness allowance (if applicable).

Our calculator performs these calculations automatically, presenting you with the lowest of these three values, which is your maximum HRA exemption.

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Frequently Asked Questions (FAQ)

Salaried individuals who receive HRA as part of their salary and pay rent for their accommodation are eligible. You cannot claim HRA exemption if you live in your own house or do not pay rent.

Yes, it is crucial to keep rent receipts as proof of rent paid. If your annual rent exceeds INR 1,00,000, you will also need the landlord's PAN card details.

Yes, you can, provided you genuinely pay rent to your parents and have valid rent receipts. Your parents must declare this rental income in their income tax returns.

The HRA exemption you can claim will always be the lowest of the three criteria, including the actual HRA received. So, if the calculated exemption is higher than the HRA you actually receive, you can only claim the actual HRA received as exempt.