TopToolsAiCalculate 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.
Last updated: 1 Sep 2026
How to use India HRA Exemption Calculator
- Enter your basic salary, HRA received, and rent paid — all monthly.
- Select whether you live in a metro or non-metro city.
- Click "Calculate" to see your exempt and taxable HRA.
Frequently asked questions
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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