HRA Calculator India
For More Information on HRA Exemption Click Blue Dot Above
Calculate your House Rent Allowance exemption as per Income Tax rules under Section 10(13A)
HRA Calculation Inputs
Disclaimer: This calculator provides estimates based on information provided. For accurate tax planning, consult a qualified tax advisor. Actual exemption may vary based on individual circumstances.
More Tax Calculators
Explore our other free tax calculators
⭐ Bookmark This Calculator
Save for quick access during tax planning or rental changes
Frequently Asked Questions
Yes, if rent paid is less than ₹3,000/month. For higher amounts, maintain rent receipts as proof.
Yes, government employees can claim HRA exemption under Section 10(13A) same as private sector.
No HRA exemption if no rent paid. Claim home loan benefits under Section 24 & 80C instead.
Mandatory if annual rent > ₹1,00,000. Get declaration if landlord has no PAN.
Yes, with proper rent agreement. Parents must declare rental income in their return.
Claim rent deduction under Section 80GG (max ₹60,000/year) instead of HRA.
Yes, HRA for rented home + home loan benefits for property you own but don’t live in.
Yes, excess HRA beyond calculated exemption is taxable.
Not for rent < ₹3,000/month. Required for higher amounts per IT rules.
Delhi, Mumbai, Kolkata, Chennai (50%). Others are non-metro (40%).
Trust Compliance
This HRA calculator follows Section 10(13A) of Income Tax Act, 1961.
How to Use the HRA Calculator to Calculate HRA
Using the HRA calculator is very easy and quick. Just enter your basic salary, the actual HRA you get from your company, the rent you pay every year, and choose if you live in a metro city like Delhi, Mumbai, Kolkata or Chennai. The HRA calculator will quickly show you how much exemption you can get under Section 10(13A) and the taxable part. Many people use this HRA calculator to plan their tax and see real savings fast.
Full Form of HRA
The full form of HRA is House Rent Allowance. It is a part of salary that companies give to employees to help cover house rent. Most people just call it HRA, but it helps with rent costs and also saves tax. You can easily check its benefits with the HRA calculator.
What is Section 10(13A)
Section 10(13A) is an income tax rule that gives exemption on HRA to salaried people. This means part of the HRA you get in salary becomes tax-free if you live in a rented house. The rule says the lowest amount among actual rent paid, HRA received, and a percentage of salary will be tax-free. The calculator does the calculation as per this section.
What are HRA Exemption Rules
The HRA exemption rules are simple – it is available in the old tax regime and is the lowest of three things: actual HRA received, rent paid minus 10% of basic salary, and 50% of salary in metro cities or 40% in other cities. You get it only if you live in a rented house, not in your own house. The HRA calculator follows these rules to show your exact exemption so you can save tax.
HRA in New Tax Regime
In the New Tax Regime, there is no exemption on HRA, so the full HRA becomes taxable. If you choose the new regime, you get lower tax rates but no benefits like HRA. Many people prefer the old regime if their rent is high. The HRA calculator is best for the old regime where you can calculate the exemption.
Documents Required for HRA Claim
To claim HRA, you need rent receipts and a rent agreement. If the yearly rent is more than 1 lakh, you also need the landlord's PAN. Submit these proofs to your company so that TDS is reduced. Without proofs, you cannot get the claim. After using the HRA calculator, you can use these documents for the actual claim.
Metro vs Non Metro HRA
In metro cities like Delhi, Mumbai, Kolkata, and Chennai, HRA exemption can be up to 50% of basic salary, while in other cities it is only 40%. People living in metros get more benefit because rent is higher there. This rule is helpful. With the HRA calculator, you can select the city and see the difference.
Taxable HRA
Taxable HRA is the part that remains after the exemption. If your actual rent is low or the exemption limit is crossed, tax is paid on the remaining HRA. The full HRA is taxable if you do not pay any rent. The HRA calculator helps you easily see how much will be taxable and how much you can save.
When is Landlord PAN Necessary for HRA
The landlord's PAN is needed when the yearly rent is more than 1 lakh. Without PAN, the claim may get rejected. If the landlord does not have a PAN, you can take a declaration. This rule stops fake claims. Remember this when making a claim.
When House Rent Receipt is Required
A house rent receipt is a simple document that proves you have paid rent to your landlord. It is very important for claiming HRA exemption under Section 10(13A). Your employer needs these receipts to reduce tax on your salary. You should also keep them safe for filing your income tax return. The receipt must have details like your name, landlord's name, rent amount, period, and landlord's signature. If you pay more than Rs 5,000 in cash for one receipt, add a revenue stamp. After using the HRA calculator to see your exemption, submit these receipts to get the full benefit.
