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HRA Exempt

HRA Calculator

100% Free

Calculate your HRA tax exemption under Section 10(13A) — find out how much of your HRA is tax-free.

Section 10(13A)
3-Leg Rule
Instant
Client-Side

Metro cities: Mumbai, Delhi, Chennai, Kolkata

Your monthly basic salary component

HRA component from your salary slip

Monthly rent you pay for your accommodation

HRA Exemption

Tax-Free HRA (Monthly)
₹ 20,000.00
Annual exemption: ₹ 2,40,000.00

Exemption Calculation — Least of:

1Actual HRA received₹ 20,000.00 ✓
250% of Basic₹ 25,000.00
3Rent paid − 10% of Basic₹ 20,000.00 ✓
HRA Exempt (Monthly)₹ 20,000.00
Taxable HRA (Monthly)₹ 0.00

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  src="https://tools.town/embed/hra-calculator/"
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  style="border:none; border-radius:12px;"
  loading="lazy"
  title="HRA Calculator">
</iframe>

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How to Use

  1. 1 Select your city type — Metro (Mumbai, Delhi, Chennai, Kolkata) or Non-Metro
  2. 2 Enter your monthly basic salary
  3. 3 Enter the monthly HRA component from your salary slip
  4. 4 Enter the actual monthly rent you pay to your landlord
  5. 5 Your HRA exemption and taxable HRA appear instantly with the full calculation breakdown

Features

  • Section 10(13A) three-leg minimum rule implemented precisely
  • Metro vs non-metro switch (50% vs 40% of basic salary)
  • Shows all three legs so you understand which one limits your exemption
  • Highlights the lowest leg with a checkmark for clarity
  • Annual exemption figure shown alongside monthly
  • Smart tip when taxable HRA can be reduced

Why it Matters

Many salaried employees overpay tax because they don't claim HRA correctly or don't know their exact exemption. The three-leg rule trips up most people — it is always the minimum of three amounts, not just 50% of salary or actual HRA. This calculator makes the logic transparent and gives you the exact number to declare in your ITR.

★★★★★

Use Cases

ITR Filing

Know your exact HRA exemption before filing income tax return

Salary Negotiation

Compare HRA exemption with different salary structures

Rent Planning

Find the minimum rent needed to maximise your HRA exemption

Tax Saving

Understand how much HRA exemption reduces your taxable income

Frequently Asked Questions

What is the HRA exemption rule?
Under Section 10(13A), HRA exemption = minimum of: (1) actual HRA received, (2) 50%/40% of basic salary (metro/non-metro), (3) rent paid minus 10% of basic salary.
Which cities are Metro for HRA purposes?
Only four cities qualify as metro for HRA: Mumbai, Delhi (including NCR), Chennai, and Kolkata. All other cities, including Bangalore, Hyderabad, and Pune, are non-metro (40% rule).
What if I pay rent to a family member?
You can claim HRA for rent paid to parents (but not a spouse). The rent payment must be genuine — the recipient must show rental income in their ITR.
Do I need rent receipts?
If HRA exemption exceeds ₹1 lakh per year (₹8,333/month), you must submit the landlord's PAN along with rent receipts to your employer.
What if my HRA exemption is zero?
This happens when your rent paid minus 10% of basic is zero or negative — meaning you pay less rent than 10% of your basic salary. Consider paying higher rent or renegotiating your salary structure.

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