Tax
HRA Exemption Calculator
Calculate HRA exemption and reduce your income tax
Popular Calculators
Enter Details
₹
₹
₹
Results
HRA Exemption (monthly)—
Taxable HRA (monthly)—
Annual Tax-Free HRA—
Tax-Free HRA
Taxable HRA
Example Calculations
Quick reference scenarios to validate your planning
| Scenario | Result |
|---|---|
| Basic ₹50K, HRA ₹20K, Rent ₹25K, Metro | Exempt: ₹15,000/month |
| Basic ₹80K, HRA ₹32K, Rent ₹35K, Non-metro | Exempt: ₹27,000/month |
How It Works
Formula, methodology and key concepts explained
HRA (House Rent Allowance) exemption under Section 10(13A) can significantly reduce your taxable income. The exemption is the minimum of three values: actual HRA received, rent paid minus 10% of basic, and 50%/40% of basic (metro/non-metro).
Pro Tips for Tax
Expert guidance to get the most out of your calculation
Track Stocks Behind Your Calculations
Add any stock to Alerfo and get instant alerts when news breaks — earnings, results, SEBI filings, analyst upgrades & more.
Frequently Asked Questions
Common questions about HRA Exemption Calculator
- HRA exemption = minimum of: (a) HRA received, (b) Actual rent – 10% of basic salary, (c) 50% of basic salary (metro) or 40% of basic salary (non-metro).
- Only 4 cities qualify as metro for HRA: Delhi, Mumbai (and suburbs), Kolkata, and Chennai. All other cities — including Bangalore, Hyderabad, Pune, Ahmedabad — are non-metro for HRA purposes.
- No. HRA exemption is only available under the old tax regime. Under the new regime, HRA is fully taxable. This is a key consideration when choosing your tax regime.
Key Numbers to Know
Benchmark figures for Tax planning in India
Related Calculators
You might also find these useful
Disclaimer: All calculations are estimates for planning purposes only. Results are based on the inputs you provide and assume constant rates. Actual returns may vary due to market conditions, inflation, tax law changes, and other factors. This is not financial advice. Consult a SEBI-registered investment advisor for personalised guidance. GST rates and income tax slabs are as per latest available information (FY 2025-26) and may change.
📈 Get free stock alerts on WhatsApp
Join Alerfo Free