HRA Calculator
Compute your House Rent Allowance exemption under Section 10(13A) — monthly inputs, yearly results.
Monthly figures
Only DA forming part of retirement benefit
Annual HRA exempted
₹1,56,000
₹13,000 per month
- Actual HRA received
- ₹2,40,000
- 50% of Basic+DA
- ₹3,00,000
- Rent − 10% of Basic+DA
- ₹1,56,000
- HRA exempted (min of three)
- ₹1,56,000
- Taxable HRA
- ₹84,000
HRA exemption is the least of: (1) actual HRA, (2) 50%/40% of Basic+DA, (3) rent paid minus 10% of Basic+DA. Under new regime, HRA exemption is not available.
HRA split (annual)
- Exempted
- Taxable
Total: ₹2.40 L
How the math works
Exempt HRA = min( actual HRA received, 50% (metro) / 40% (non-metro) of Basic + DA, Rent paid − 10% of (Basic + DA) )
- Basic + DA
- Salary base for HRA rules
- HRA received
- From your salary structure
- Rent paid
- To your landlord
- Metro
- Delhi, Mumbai, Kolkata, Chennai only
How it works
- 1
Enter your monthly Basic salary and optional DA.
- 2
Enter the HRA component you receive and the rent you actually pay.
- 3
Toggle Metro city — exemption cap is 50% of Basic+DA for metros, 40% otherwise.
- 4
CalcPe computes the three limits and returns the least, which is your exempt HRA.
A quick walkthrough
Inputs
Monthly Basic ₹50,000, HRA received ₹20,000, rent paid ₹18,000, metro city.
Steps
- Annual salary base = ₹6,00,000 · actual HRA = ₹2,40,000
- 50% of Basic+DA = ₹3,00,000
- Rent − 10% of Basic+DA = 2,16,000 − 60,000 = ₹1,56,000
Result
Exempt HRA = min(2.40 L, 3.00 L, 1.56 L) = ₹1,56,000/year · taxable HRA = ₹84,000
Why CalcPe’s HRA Calculator
- Maximise tax savings on your rent payments legally.
- Know exactly how much HRA is exempt vs taxable.
- Model different rent scenarios before signing a new lease.
- Only valid under the Old Regime — helpful for regime comparison decisions.