HRA Exemption Calculator

HRA Exemption Calculator — how it works

If you receive House Rent Allowance and pay rent, part of that HRA can be exempt from tax under the old regime. This calculator works out exactly how much.

The three-way test

HRA exemption is the lowest of three amounts: (1) HRA actually received, (2) rent paid minus 10% of basic salary, and (3) 50% of basic salary in a metro city or 40% in a non-metro. Whichever of these three is smallest is what you get to exempt.

Old regime only

HRA exemption is available only under the old tax regime. If you've opted for the new regime, this exemption doesn't apply — worth checking with the Income Tax Calculator above which regime actually works out better for you overall.

Documentation needed

Keep rent receipts, and if annual rent exceeds ₹1,00,000, your landlord's PAN is mandatory for claiming the exemption. Our Rent Receipt Generator below can help with the receipts.

The formula

Why use Pretax's hra exemption calculator

• Current rates. Slabs and limits are reviewed against the current Finance Act.
• Nothing leaves your browser. Every calculation runs on your device — we never see or store what you type.
• Built by working CAs. The same team that files returns for our clients maintains these formulas.
• Free, no signup. No account and no email required to see a result.

Frequently asked questions

I live in a rented flat but don't get HRA — can I still claim anything?

Yes, under section 80GG, if you don't receive HRA but pay rent, subject to its own limits and conditions.

Do I need to submit rent receipts every month?

Your employer will typically ask for proof at year-end or when processing your investment declaration — check their specific requirement and timeline.