Finance•Free tool

HRA Calculator – House Rent Allowance Exemption

Calculate your HRA exemption under Section 10(13A) for income tax. Enter basic salary, HRA, rent and city type to see tax savings.

No sign-upBrowser-based
FIN

Tool

Enter your values and get results instantly.

HOW

How to Use

  1. 1Enter your basic salary + DA (annual)\n2. Enter HRA received (annual)\n3. Enter rent paid (annual)\n4. Select metro or non-metro city\n5. Click Calculate to see the exemption
WIN

Benefits

Accurate Section 10(13A) formula
Metro / non-metro support
Shows all three rules clearly
Instant result
Free and private
FAQ

Frequently Asked Questions

How is HRA exemption calculated?

Exemption is the least of: (1) actual HRA received, (2) rent paid minus 10% of basic salary, or (3) 50% of basic (metro) / 40% (non-metro).

Do I need rent receipts?

Yes — for exemption above ₹3,000 per month you generally need rent receipts or a rent agreement, and the landlord's PAN if annual rent exceeds ₹1,00,000.

Is HRA fully tax-free?

No — only the exemption amount is tax-free. Any HRA above the exemption limit is added to your taxable income.