HRA Exemption Calculator
Calculate your HRA tax exemption and optimize your tax savings under Section 10(13A) of the Income Tax Act
Enter Your Details
How HRA Exemption is Calculated
The exempt amount is the least of the following:
- Actual HRA received
- 50% of salary (basic + DA) for metro cities, 40% for non-metro cities
- Rent paid minus 10% of salary (basic + DA)
Calculation Results
Enter your details and click “Calculate Exemption” to see your tax savings.
Actual HRA Received
₹0
Exempted HRA Amount
₹0
Taxable HRA Amount
₹0
Annual Tax Savings*
₹0
Calculation Breakdown
HRA Distribution
* Tax savings calculated at 30% tax rate. Actual savings may vary based on your income tax slab.
Tips to Maximize HRA Exemption
Rent Receipts
Always collect rent receipts from your landlord for proof of payment.
Rent Agreement
Have a formal rent agreement to validate your rental expenses.
PAN of Landlord
If rent exceeds ₹1,00,000 per year, provide landlord’s PAN to your employer.
Actual Payment
Pay rent through banking channels for easy tracking and proof.