HRA Calculator - Calculate House Rent Allowance Exemption

Basic Salary (p.a)

₹

Dearness Allowance (p.a.)

₹

HRA received (p.a.)

₹

Total rent paid (p.a.)

₹

Are you working in a metro city ? Yes No

Your HRA breakdown chart will appear here.

Your Results:

HRA Received

₹

Exempted HRA

₹

Taxable HRA

₹

What is HRA?

House Rent Allowance (HRA) is a component of a salaried individual's income that helps them get tax exemptions for rent paid. It is available only if the individual lives in rented accommodation.

How is HRA Calculated?

As per income tax rules, the least of the following three is exempt from tax:

Actual HRA received
50% of basic salary (for metro cities), 40% for non-metros
Rent paid minus 10% of basic salary

Eligibility for HRA Exemption

You must be a salaried individual receiving HRA
You must live in a rented house
Rent receipts or rental agreement may be needed for proof

Can You Claim HRA Without Rent Receipts?

For HRA claims exceeding ₹3,000/month, rent receipts are typically required by employers. However, if not submitted, you may still claim it while filing your ITR directly — provided you're able to justify the rent paid.

Frequently Asked Questions

Is HRA fully tax-free? ▼

No. Only the least of the three components (as mentioned above) is tax-exempt. The rest is taxable.

Can I claim HRA if I live with parents? ▼

Yes. You can pay rent to your parents and claim HRA, provided you have proper documentation and proof of transactions.

What documents should I maintain for HRA claims? ▼

Maintain a rent agreement, rent receipts, proof of rent payment (bank/UPI), and landlord’s PAN (if rent >₹1 lakh/year) to ensure a smooth claim