Free HRA Calculator

Work out how much of your House Rent Allowance is tax-exempt — no signup, nothing sent to a server.

HRA exemption (monthly)

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Taxable HRA (monthly)

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HRA exemption (yearly)

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Least of the three (as per Income Tax rules)

Actual HRA received—
Rent paid − 10% of basic—
50% of basic (metro)—

How to calculate HRA exemption

  1. 1

    Choose your city type

    Pick Metro if you live in Delhi, Mumbai, Kolkata or Chennai, otherwise Non-metro.

  2. 2

    Enter basic salary + DA

    Use your monthly basic salary plus dearness allowance, if any.

  3. 3

    Enter HRA received and rent paid

    Type the monthly HRA shown on your payslip and the actual monthly rent you pay.

  4. 4

    Read the exemption breakdown

    The exempt amount, taxable HRA, and the three limits it was compared against update instantly.

Example use cases

1

Planning tax declarations

Estimate your HRA exemption before submitting rent receipts to your employer.

2

Comparing salary structures

See how changing the HRA component of a salary offer affects the tax-exempt amount.

3

Checking a Form 16 figure

Sanity-check the HRA exemption your employer has applied against the standard formula.

Frequently asked questions

How is HRA exemption calculated?

The exempt amount is the smallest of: actual HRA received, rent paid minus 10% of basic salary + DA, and 50% of basic salary + DA for a metro city (40% for non-metro).

Which cities count as metro for HRA?

Delhi, Mumbai, Kolkata and Chennai are treated as metro cities for HRA exemption, using the 50% limit. All other cities use the 40% limit.

What if I don't pay rent, or pay less than 10% of my basic salary?

If rent paid is less than 10% of basic salary + DA, that component of the formula is zero, so the exemption is based on the other two limits instead.

Is my salary data sent to a server?

No. The calculation runs entirely in your browser — nothing is transmitted or logged.