HRA Calculator — how much of your HRA is tax-free
If you pay rent and get house-rent allowance, part of it is exempt from tax in the old regime. Enter your basic, HRA and rent to see how much, and what it saves.
The least of these three is exempt
Your HRA
- Exempt₹1,68,00070%
- Taxed₹72,00030%
Old regime only — the new regime gives no HRA exemption. Rent of ₹24,000 a month would make the most of it.
Set your pay day in Spendly and it plans the month around your real in-hand pay: bills and EMIs set aside first, then what is safe to spend each day.
Plan my salary →How it is calculated
The exempt HRA is the least of three amounts for the year: the HRA you actually received; the rent you paid minus 10% of your basic (+ DA); and 50% of basic if you live in Delhi, Mumbai, Kolkata or Chennai, or 40% anywhere else.
Whatever HRA is not exempt is taxed with your salary. The exemption is only in the old regime — the new regime has none. Rent over ₹1 lakh a year needs your landlord’s PAN.
Exempt HRA = least of (HRA received, rent − 10% of basic, 50% of basic in a metro / 40% elsewhere) Tax saved ≈ exempt HRA × your slab × 1.04 (cess)
Questions
Can I claim HRA in the new tax regime?
No. HRA exemption is available only in the old regime. Compare both with your numbers in the income tax calculator.
Which cities count as metro for HRA?
Only Delhi, Mumbai, Kolkata and Chennai get 50% of basic. Bengaluru, Hyderabad, Pune and every other city use 40%.
Can I claim HRA if I pay rent to my parents?
Yes, if you really pay them and they show the rent as income. Keep rent receipts or bank transfers as proof.
What if I do not get HRA from my employer?
Then this exemption does not apply. In the old regime, section 80GG allows a smaller deduction for rent if no one in the household owns a home where you live.
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