HRA Calculator

How to Use HRA Calculator

1. Enter your monthly Basic + DA (e.g., ₹50,000), HRA received (e.g., ₹20,000), and rent paid (e.g., ₹18,000).
2. Select whether you live in a metro city (Delhi, Mumbai, Kolkata, Chennai) or non‑metro.
3. Click Calculate. The tool computes the three rule values — actual HRA, rent minus 10% of basic, and 50% or 40% of basic — and shows the minimum as your exempt HRA.
4. Review the monthly and annual exempt HRA and taxable HRA, along with a breakdown of which rule applied.

Benefits of HRA Calculator

• Instant visual of the “minimum of three” rule so you understand exactly how much of your HRA is tax‑free.
• Metro/non‑metro toggle adjusts the percentage automatically (50% vs 40%), preventing calculation errors.
• Shows annual exempt HRA, which directly helps you plan the rent receipts and PAN documentation you’ll need to submit.
• No sensitive salary data leaves your device — the entire computation happens in your browser.

Frequently Asked Questions

How do I claim HRA if I pay rent to my parents?

You can claim HRA if you actually pay rent to your parents and they own the house. Keep bank transfer records or rent receipts, and ensure they declare the rental income in their tax return.

Is it necessary to submit rent receipts every month?

Yes, ideally keep monthly receipts. For annual rent above ₹1,00,000, you must also provide the landlord’s PAN. Without it, the exemption may be denied.

Can I claim HRA under the new tax regime?

No, the new regime (FY 2025‑26) does not allow HRA exemption. This calculator is useful for those using the old regime or comparing both.

Is HRA Calculator free and private?

Yes — it is 100% free, needs no sign-up, and everything runs in your browser; your data never leaves your device.