HRA Exemption Calculator
Work out your tax-exempt House Rent Allowance in seconds.
Best for: Use it at tax-filing or when planning rent/salary structure to maximize your legal HRA exemption.
Input
Result
EstimateMonthly exempt HRA
₹14,000
What to do next
Next: Income Tax CalculatorMore about this result
- Type
- Government / Standard
- Method
- Official / government standard
- Confidence
- High
Uses an official government, statutory or medical standard (e.g. tax rules, WHO ranges).
The exempt amount reduces your taxable income. If your rent is low relative to salary, the exemption is capped by the rent-minus-10% rule, not your actual HRA.
- 1.Rent paidHigh impact
The exemption is capped by rent minus 10% of salary.
- 2.Basic salaryHigh impact
Sets the 50%/40% cap and the 10% deduction.
- 3.Metro vs non-metroMedium impact
Metro uses 50% of salary, non-metro 40%.
- Inflation often matters more than expected over the long run.
- Small rate changes can significantly affect total outcomes.
- Long-term consistency usually beats short-term timing.
Your HRA exemption is capped by the lowest of three formulas - more rent doesn't always mean more exemption. — India Income Tax Department
How it's calculated & sources
Method: HRA exemption under Section 10(13A) and Rule 2A of the Income-tax Act — the least of the three statutory amounts.
Applies to the old tax regime only. Rules verified June 2026.
- Old tax regime only
- Exempt = least of the three amounts
- Basic + DA used as salary
Free & no sign-up · runs entirely in your browser. Results are estimates for general information, not professional advice — verify important decisions with a qualified expert. Last reviewed June 2026.
How it works
Exempt HRA is the lowest of: (1) actual HRA received, (2) rent paid − 10% of basic, (3) 50% of basic for metro cities (40% for non-metro).
Frequently asked questions
Can I claim HRA without paying rent?+
No. HRA exemption requires you to actually pay rent; you may need rent receipts and, above ₹1 lakh/year, the landlord's PAN.
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