HRA Exemption Calculator

Find out how much of your HRA is tax-free under Section 10(13A)

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Enter Your HRA Details

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The 3 conditions (minimum of these is exempt)

❶ Actual HRA Received (Annual)
❷ Rent Paid − 10% of Basic (Annual)
❸ 50% of Basic Salary (Annual)
HRA Exempt Amount (minimum above)
HRA Taxable (HRA received − Exempt)
Estimated Tax Saved at 30% slab
Annual HRA Received

This calculator is for educational purposes only. Consult a tax professional for official advice.

How is HRA Exemption Calculated?

📚 Section 10(13A) — The 3-Condition Rule

The HRA exemption is the minimum of the following three amounts:

  1. Actual HRA received from your employer
  2. Rent paid minus 10% of Basic Salary (annual)
  3. 50% of Basic Salary if you live in a metro city (Delhi, Mumbai, Kolkata, Chennai), or 40% of Basic Salary for non-metro cities

Note: You must actually be paying rent to claim HRA exemption. You cannot claim HRA if you live in your own house or do not pay rent.

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