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HRA Calculator

Calculate your exact House Rent Allowance exemption to maximize tax savings.

City of Residence

Annual Salary Details

Tax Regime Note

HRA Exemption (Section 10(13A)) is only available if you opt for the Old Tax Regime. Under the New Tax Regime, HRA is fully taxable.

Exempted HRA Amount
₹0
This amount is totally tax-free!
Exemption Rules Breakdown

Your exemption is the lowest of the following three conditions:

1. Actual HRA Received ₹0
2. 40% of Basic + DA ₹0
3. Rent Paid minus 10% of Basic ₹0
Taxable HRA (Added to Income) ₹0

Understanding HRA Exemption

If you are an employee planning a vacation to the Andaman Islands, understanding your tax exemptions can help you free up travel capital. Here is how the Income Tax Department calculates your House Rent Allowance:

  • Metro vs. Non-Metro: If you reside in Delhi, Mumbai, Kolkata, or Chennai, you can claim up to 50% of your Basic Salary. For all other cities (including Bangalore, Hyderabad, and Port Blair), the limit is 40%.
  • Mandatory PAN: If your annual rent paid exceeds ₹1,00,000 (approx ₹8,333/month), you must provide your landlord's PAN card to your employer to claim this exemption.
  • Zero Rent Paid: If you live in your own house or do not pay rent, your HRA becomes fully taxable.