How much of your HRA is tax-free?
If you live in a rented home and get House Rent Allowance, part of it is exempt from tax under Section 10(13A) of the old regime. The exempt amount is the least of: your actual HRA, rent paid minus 10% of salary, and 50% (metro) or 40% (non-metro) of salary. This calculator works it out instantly — entirely in your browser.
Who uses this tool
Salaried employees figuring out how much HRA they can declare tax-free, HR teams explaining take-home to new joiners, and anyone in a pay-and-claim HRA arrangement who needs to know the taxable portion before filing.
How to use it
- Enter your annual basic salary (and DA if any).
- Enter the HRA you received and the total rent you paid for the year.
- Pick metro or non-metro and click Calculate to see your tax-free and taxable HRA.
Frequently asked questions
How is HRA exemption calculated?
It's the least of: actual HRA received; rent paid − 10% of salary (basic + DA); and 50% of salary (metro) or 40% (non-metro).
Which cities count as metro?
Delhi, Mumbai, Kolkata and Chennai (50% of salary). All others are non-metro (40%).
Can I claim HRA in the new tax regime?
No — HRA exemption is available only under the old regime. Use our Income Tax Calculator to compare regimes.
Do I need rent receipts?
Yes — keep rent receipts (and report the landlord's PAN if yearly rent exceeds ₹1,00,000). Generate them with our Rent Receipt Generator.