HRA Exemption Calculator
Work out how much of your House Rent Allowance is tax-exempt, based on your basic salary, HRA received, and rent paid.
Metro: Delhi, Mumbai, Kolkata, Chennai. All other cities are non-metro for this calculation.
Exemption is the least of: HRA received, rent minus 10% of basic, or 50%/40% of basic (metro/non-metro). Applies under the old tax regime only.
Frequently asked questions
Can I claim HRA exemption under the new tax regime?
No — HRA exemption is only available under the old tax regime. The new regime offers lower slab rates and a higher standard deduction instead, but doesn't allow most exemptions including HRA.
What if I don't pay rent but receive HRA?
If you don't pay rent, your entire HRA received is taxable — there's no exemption without an actual rent payment (and, for larger amounts, a valid rent receipt or agreement).
Do I need rent receipts to claim HRA exemption?
Yes, your employer will typically ask for rent receipts to process HRA exemption in your salary TDS, and receipts also matter if the claim is scrutinized later.