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House Rent Allowance

HRA Calculator

Work out how much of your house rent allowance is exempt from income tax under Section 10(13A), and how much of it stays taxable, from your salary, the HRA you receive, the rent you pay and whether you live in a metro city. An educational tax-planning tool, not tax or financial advice.

Calculate your HRA exemption

Enter your monthly basic salary plus dearness allowance, the HRA you receive, the rent you actually pay and your city type. The exemption is available under the old tax regime only. Every number below is illustrative and based entirely on the values you enter.

HRA exempt from tax (per year)
₹0
Exempt Taxable
Exempt HRA (year)
₹0
Taxable HRA (year)
₹0
Total HRA (year)
₹0

This is an illustrative calculation based on your inputs only. Under Section 10(13A) the exemption is the least of three amounts: the actual HRA you receive, the rent you pay minus 10 percent of salary, and 50 percent of salary in a metro city or 40 percent elsewhere, where salary means basic pay plus dearness allowance forming part of retirement benefits, plus any commission on turnover. The exemption applies under the old tax regime only and is not available if you have opted for the new regime. Rent above the annual threshold set by the department requires your landlord PAN. This is educational content, not tax advice.

Comparing the two tax regimes? Work out your liability with the income tax calculator.

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FAQ

Frequently Asked Questions

Your exemption under Section 10(13A) is the least of three amounts: the actual HRA your employer pays you, the rent you actually pay minus 10 percent of salary, and 50 percent of salary if you live in Delhi, Mumbai, Kolkata or Chennai or 40 percent if you live anywhere else. Salary here means basic pay plus dearness allowance that forms part of retirement benefits, plus any commission on turnover. Whichever of the three is smallest becomes your exempt amount, and the rest of your HRA is taxable.
For HRA purposes only four cities count as metro: Delhi, Mumbai, Kolkata and Chennai. Living there raises the third limit from 40 percent to 50 percent of salary. Cities that are large or expensive in everyday terms, such as Bengaluru, Hyderabad, Pune, Gurugram or Noida, are treated as non-metro under this section, however commonly they may be described as metros elsewhere.
No. The HRA exemption under Section 10(13A) is available under the old tax regime only. If you opt for the new regime you forgo it along with most other exemptions and deductions, in exchange for lower slab rates and the higher standard deduction. Which regime works out better depends on your total salary and how many deductions you actually claim, so it is worth comparing both before choosing.
Yes, this is permitted if the arrangement is genuine. Your parents must actually own the property, you must actually pay the rent, ideally by bank transfer, and they must declare that rent as income in their own return. Keep a rent agreement and payment records. Claiming rent paid to a spouse, or on a property you own and live in yourself, is not allowed and is a common reason such claims are disallowed on scrutiny.
Yes, if your annual rent crosses the threshold set by the Income Tax Department, currently one lakh rupees a year, your employer will ask for the landlord PAN along with the rent receipts to allow the exemption in your Form 16. If the landlord does not have a PAN you will need a declaration from them instead. Always check the current requirement for the assessment year with your employer or a tax professional.
No. AstroCapitalX is an educational Vedic astrology platform and is not a SEBI-registered investment advisor or a tax practitioner. This HRA calculator is a simplified illustration of the Section 10(13A) rule and cannot account for every element of your salary structure or your particular case. Please consult a qualified chartered accountant or tax professional before filing or making any financial decision.