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All Tools›Finance & Business›HRA Exemption Calculator

HRA Exemption Calculator

Calculate HRA exemption and tax savings instantly

Finance & BusinessFREEYour data never leaves your browser

Rs 50,000/mo

Metro (2026): Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Pune, Hyderabad, Ahmedabad

HRA Exemption Formula

1. Actual HRA receivedRs 20,000
2. Rent paid - 10% of BasicRs 13,000

MINIMUM — This is your HRA exemption

3. 50% of Basic SalaryRs 25,000

Your HRA Breakdown

Monthly HRA Exemption

Rs 13,000

Annual: Rs 1,56,000

Taxable HRA (monthly)

Rs 7,000

Annual: Rs 84,000

Tax Saving @ 20%

Rs 31,200

per year

Tax Saving @ 30%

Rs 46,800

per year

HRA exemption is only available under the Old Tax Regime. Under the New Tax Regime, HRA is fully taxable.

How to Use

1

Enter your monthly basic salary, HRA received, and rent paid

2

Select your city — Metro or Non-Metro (updated 2026 metro list)

3

View the three HRA formula amounts with the minimum highlighted

4

Check estimated tax savings at 20% and 30% brackets

Frequently Asked Questions

HRA exemption under Section 10(13A) is the minimum of: (1) Actual HRA received, (2) Rent paid minus 10% of basic salary, (3) 50% of basic salary for metro cities or 40% for non-metro cities.

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