HRA Exemption Calculator
Calculate your tax-exempt House Rent Allowance under Section 10(13A). Compare the three-rule formula and see exactly how much tax you save. Metro vs non-metro rates.
Your exemption is capped by rent − 10% basic — at ₹2.40 L. The other two limits are ₹2.40 L / ₹3.00 L.
On ₹2.40 L annual HRA, you can claim ₹2.40 L as tax-exempt under Section 10(13A) — saving ₹72,000 at your 30% slab.
Rent−10%-basic is the binding cap. Higher rent = more exemption (up to the city % ceiling). Make sure you keep rent receipts.
Rent above ₹1 L/year requires landlord's PAN on Form 12BB. Without PAN, employer can't grant exemption — only refundable at ITR.
How exemption scales with rent
Frequently Asked Questions
How is HRA exemption calculated?▼
Which cities are considered metro for HRA?▼
Can I claim HRA if I live in my own house?▼
Is HRA available in the new tax regime?▼
Do I need rent receipts for HRA claim?▼
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