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HQ8T

HRA Calculator

Find your tax-free HRA from rent and salary.

Amounts are
₹
₹
₹
Do you live in Delhi, Mumbai, Kolkata or Chennai?
Exempt HRA (yearly)
₹2,40,000
₹20,000 per month
Taxable HRA (yearly)
₹0

Exemption = lowest of these three (yearly)

Actual HRA received₹2,40,000

Rent paid − 10% of basic₹2,40,000

40% of basic₹2,40,000

HRA exemption applies only in the old tax regime.

How to use

  1. 1Enter your basic salary plus DA, the HRA you receive and the rent you pay (monthly or yearly).
  2. 2Choose whether you live in a metro city.
  3. 3See how much HRA is tax-free and how much is taxable.
  4. 4Use the exempt amount in our Income Tax Calculator (old regime).

Frequently asked questions

How is HRA exemption calculated?

The exemption is the lowest of: (1) HRA actually received, (2) rent paid minus 10% of basic + DA, and (3) 50% of basic + DA in metro cities or 40% elsewhere.

Which cities are metros for HRA?

Only Delhi, Mumbai, Kolkata and Chennai count as metros. Bengaluru, Hyderabad and Pune are non-metro for HRA.

Can I claim HRA in the new tax regime?

No. HRA exemption is available only in the old regime.

I pay rent to my parents. Can I claim HRA?

Yes, if you genuinely pay rent and they show it as income. Keep a rent agreement and bank transfer records.

Do I need the landlord's PAN?

Yes, if your rent is more than ₹1,00,000 a year you must give your employer the landlord's PAN.

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