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India HRA Exemption Calculator

India Tools Free Updated 1 Sep 2026
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ⓘ About this tool 🔄 Last updated 1 Sep 2026 ✓ Reviewed by TopToolAI Team

Calculate how much of your HRA (House Rent Allowance) is tax-exempt in India, based on your salary, rent paid, and city of residence. On a basic salary of ₹40,000 a month paying ₹15,000 in rent in a metro city, the exempt amount is the lowest of three limits — actual HRA received, rent paid minus 10% of salary, or 50% of salary for metro cities — and the calculator applies all three automatically.

How to use India HRA Exemption Calculator

Step-by-step guide to the boxes below. Open it only if you need help.

  1. 1
    Basic salary (monthly, ₹) Number

    Only the basic pay part of your salary, not the gross.

    Example: 30000

  2. 2
    HRA received (monthly) Number

    The House Rent Allowance shown on your payslip.

    Example: 15000

  3. 3
    Rent paid (monthly) Number

    The rent you actually pay each month.

    Example: 12000

  4. 4
    City Choose one

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

    Choose one: MetroNon-metro

  5. 5
    Press “Calculate”

    Click the button under the boxes. If something is missing or not valid, a short message tells you which box to fix.

  6. 6
    Read your result

    You see how much of your HRA is exempt from tax. Change any box and try again to compare different numbers.

India HRA Exemption Calculator FAQs

What determines how much HRA is exempt?
It's the lowest of three figures: actual HRA received, rent paid minus 10% of salary, or 50%/40% of salary depending on whether you live in a metro city.
Do I need rent receipts to claim this?
Yes, you typically need rent receipts and sometimes a rental agreement to claim HRA exemption when filing your return.
Which cities count as "metro" for the 50% rule?
Delhi, Mumbai, Kolkata and Chennai are generally treated as metro cities (50% of salary); all other cities use the 40% rate.
Can I claim HRA if I live in my own house?
No — HRA exemption requires that you actually pay rent for accommodation you live in; it can't be claimed on a self-owned home you reside in.

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