HRA Exemption Calculator

Find your tax-free HRA under Section 10(13A) — for old tax regime

Monthly basic salary (₹)

Monthly Dearness Allowance — DA (₹)

Enter 0 if your company does not pay DA (most private companies)

Monthly HRA received from employer (₹)

Monthly rent paid (₹)

City type

Monthly HRA exemption

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Annual exemption: —

The exemption is the MINIMUM of these 3 conditions:

1. Actual HRA received—

2. Rent paid minus 10% of (Basic + DA)—

3. 50%/40% of (Basic + DA)—

✓ Minimum (your exemption)—

Taxable HRA (monthly)

—

Annual tax saving (est. 30%)

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HRA exemption is only available under the Old Tax Regime. Not applicable under the New Regime.

About HRA Exemption

Who can claim HRA exemption?

Salaried employees who receive HRA as part of their salary and actually pay rent for their accommodation can claim HRA exemption. You cannot claim it if you live in your own house or if your employer does not provide HRA.

Do I need rent receipts?

If your annual rent exceeds ₹1 lakh, you must provide your landlord's PAN to your employer. For rent above ₹1 lakh/year, rent receipts are required. Always keep receipts as proof.