HRA Calculator 2025 – House Rent Allowance Exemption Calculator

Calculate your HRA tax exemption instantly. Enter your basic salary, HRA received, and monthly rent to find out the exact HRA exempt from income tax under Section 10(13A) — and how much tax you save.

HRA Exemption Calculator

INR 1 LakhINR 50 Lakh
INR 0INR 30 Lakh
INR 0INR 30 Lakh
Metro cities: Mumbai, Delhi, Chennai, Kolkata

HRA Exemption Summary

HRA Exempt (Annual)
Taxable HRA
Tax Saved
Condition 1: HRA Received
Condition 3: Rent − 10% of Basic

HRA Exemption = Minimum of all 3 conditions above

Note: If annual rent paid is less than 10% of basic salary, the third condition (Rent − 10% of Basic) becomes zero or negative — resulting in zero HRA exemption. Ensure you are paying meaningful rent to claim this benefit.

Calculate HRA exemption

The HRA calculator estimates house rent allowance exemption for salaried users based on salary, HRA received, rent paid, and metro or non-metro city status.

  • Enter basic salary, dearness allowance where applicable, HRA, and rent.
  • Choose metro city status correctly because the salary percentage differs.
  • Keep rent receipts, agreement, and landlord PAN details where required.
  • Compare total tax under old and new regime after calculating HRA.
Note: HRA exemption is generally relevant under the old tax regime and should be checked against current tax rules.

Frequently Asked Questions

HRA is House Rent Allowance paid by an employer to help meet rental housing expenses.

HRA exemption is usually the minimum of actual HRA, eligible salary percentage, and rent paid minus 10 percent of salary.

HRA exemption is generally available only under the old tax regime.