HRA Calculator - House Rent Allowance Exemption
Only DA forming part of retirement benefits
About HRA Calculator
Use our free online HRA Calculator to calculate your House Rent Allowance exemption under Section 10(13A) of the Income Tax Act. Find out how much HRA is tax-exempt and how much is taxable. The calculator automatically applies the 3-condition formula for metro and non-metro cities and shows the exact breakdown of your HRA exemption.
How to Use This Tool
Select Currency
Choose your preferred currency from the dropdown for display purposes.
Enter Basic Salary
Input your monthly basic salary. This is the base component of your salary excluding all allowances.
Enter DA if applicable
Add Dearness Allowance only if it forms part of your retirement benefits (for government employees). Private sector employees can usually leave this as zero.
Enter HRA & Rent
Input the monthly HRA you receive from your employer and the actual rent you pay for your accommodation.
Select City Type
Choose Metro (Delhi, Mumbai, Chennai, Kolkata) for 50% calculation or Non-Metro for 40% calculation.
Frequently Asked Questions
How is HRA exemption calculated?
HRA exemption is the MINIMUM of: (1) Actual HRA received, (2) 50% of Basic+DA for metro cities or 40% for non-metro cities, (3) Rent paid minus 10% of Basic+DA. The lowest amount among these three is your exempt HRA.
Which cities are considered Metro for HRA?
Only 4 cities are classified as Metro for HRA calculation: Delhi, Mumbai, Chennai, and Kolkata. All other cities including Bangalore, Hyderabad, Pune are considered Non-Metro.
Can I claim HRA if I live in my own house?
No, HRA exemption is only available if you pay rent. If you live in your own house or don't pay rent, the entire HRA received becomes taxable.
Is HRA available under the New Tax Regime?
No, HRA exemption under Section 10(13A) is only available under the Old Tax Regime. Under the New Regime, HRA received is fully taxable.
Key Features
- •Multi-Currency Support (INR, USD, EUR, GBP, AED, etc.)
- •Automatic 3-Condition Minimum Calculation
- •Metro vs Non-Metro City Support
- •Monthly & Yearly Exemption Display
- •Visual Condition Breakdown
- •Tax Savings Summary
Why HRA Calculator Matters
Our HRA calculator helps salaried employees maximize their tax savings by accurately calculating the House Rent Allowance exemption. Understand exactly how much of your HRA is tax-free and plan your finances better. Essential for income tax planning and ITR filing. 100% free, instant calculation, no signup needed.